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I have no intention of buying any new electronics. I am using a laptop I bought in 2014 and have a computer I bought in 2024 as well. That should last me. I'll get back to you in ten years when I need a new computer. Hopefully by then the US economy is once again a manufacturer of quality equipment.
Yes if you have the cash and don't need insurance. There is a reason why some locations will not sell you flood insurance or fire insurance or whatever. So the fact you can't get insurance should warn anyone with enough cash to buy a house outright to try somewhere else.