for an extra £5, wouldn't you want the security of better postage? I sure as hell wouldn't trust the Royal Mail lol
Statistically, it's not worth it.
Say you lose 1 package out of hundred. If you have to pay 5$ more each pacage, it makes 500 dollar you paid in postage. You could use those 500 dollars to rebuy the one package you lost
.
So only pay the extra on the things where you can't afford to lose it. And put some faith in your luck for the rest.