i stuck with limited, and left it alone, i am a pretty safe driver, stay quite far away from the person in front of me, so being rear ended is much more likely as that has happened 5 times in my car with no damage, absolutely crazy how people dont pay attention.
For the life insurance my current insurer wont give me term life because of medical reasons. i wish i could get that until we are FIRE'd
and yes it is backwards the thinking was that a true no fault state would save money in the court systems with less frivolous lawsuits, but i think the opposite has happened, PA is pretty crappy