Insurance fraud is an economic decision. If the speed/payload/OEI performance of a Pa30 is sufficient, then yes there is little reason to choose an twin with only marginally better performance. I know you said bonanza, just to point out that the same skin on the Baron can be replaced with a STC'd aluminum part. But they had the part or the process to make a one-off. Experimental exhibition is a different animal from using a certified airplane for personal transportation.