Which "Refresh" deal is the better option? DJI v Heliguy

I am trying to decide which is the better option, DJI “Care Refresh” or Heliguy “Repair Refresh”.

While the Heliguy offering is slightly more expensive, it does include parts and labour, which I understand is extra with the DJI Care Refresh. The DJI offering gives you up to two replacement units per year, but the Heliguy deal only offers one and it’s a “like for like” so will most likely be a refurbished unit.

Anyone have any preferences?

I have yet to activate my MP2z to be honest I am seriously debating not getting either. Had it for my DJI spark as I was a nervous new starter. I am such a Uber safe flyer I can’t see me needing to shell out the extra cost.