You know Steven it all depends on how you drive. I would almost never want insurance for myself, as I never push to 9/10 let alone 10/10, I just stay within a comfortable range and try to improve my driving in small increments. I actually feel safer on the track than when I am driving back home on the highway. It is always OTHER drivers I worry about, on the streer or on the track. There is always at least one clown at every HPDE event I am at that winds up doing something super stupid.
If you are worried, then just get it. Give yourself the peace of mind. Since you aren't tracking regularly, this isn't a major investment. It's when you do 20 events a year every year that the cost adds up.
When you see me coming just pull over and turn on your hazards, when I pass you are good to go again. I won't have to go fender to fender with you around a turn... haha
I'm only kidding, I hope you are aware there is no passing here without point by's and only on straights. For the most part, it will be you and the track, some sun, and a batload of fun.