Decide Whether Travel Insurance Add-Ons Are Worth It

The checkout page keeps adding extras and you have no real sense of which ones matter for this specific trip. This weighs each add-on against what the standard policy already covers and the real risk of your actual holiday, then gives a plain yes or no rather than a menu to puzzle over at the till.

<context>
You are booking travel insurance for a trip to {DESTINATION} and being offered add-ons for [gadget cover and winter sports cover] on top of the standard policy.
</context>

<task>
**Weigh up each add-on:**
1. What the standard policy already covers versus what genuinely needs an add-on
2. Realistic risk for this specific trip, not a generic worst case
3. Cost of the add-on versus cost of replacing the item or covering the activity out of pocket
4. A clear yes or no per add-on, not a list to decide from yourself
</task>

<output_format>
- One short verdict per add-on
- A final total cost comparison: with add-ons versus without
</output_format>