ok, i know of the ada and bh to get gear from. but what about places like bestbuy? i ask about them because i am getting ready to purchase a 50D and like the accidental damage insurance they have. basically i was told by the sales rep that in the last few months of the policy to just trash it and they cover it 100%. that is a little shady to me and just makes things more expensive for everyone but i do like the idea that if something does happen i can just take it to the store and have it fixed. or should i buy from an actual camera dealer?