Digging deeper on my airplane search, I've seen a couple Lances that would fit my mission. I'd prefer a fixed gear for all the obvious reasons, but Lances seem to be priced at a discount to sixes. Can a low time....in my case 210 tt, IR, 0 retract...... even get insurance on a retract in this market? For that matter can I even insure a six? What is the insurance premium over a fixed gear...2x? @NealRomeoGolf how many hours retract time did your insurance company require? And yes, I know these are questions for my insurance agent, but it's labor day weekend and I want answers now.