pre-fire I had a lot of used, inherited, or refurbished gear. Mostly those pieces are being replaced very slowly with new, and not all of them are being replaced. Going forward, I will look for bargains, discounts, close-outs, and take advantage of whatever incentives I can to control my out of pocket cost. Given the realities in today's insurance landscape, the odds of actually being made whole by my insurance are zero. Funding everything out of pocket requires a different strategy than it would if Insurance was paying for it.