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2018 Ford F-150 — open carrier or enclosed for a normal enthusiast car?

ColdStartCamper961Community StarterJan 1, 20262018 Ford F-150 XLT 2.7 EcoBoostConnecticut
2018 Ford F-150 XLT 2.7 EcoBoost, about 21,500 miles. The car is valuable to me but not exotic. Enclosed transport costs noticeably more. When is the extra protection actually worth paying for versus a reputable open carrier?
apr
11.29
location
Connecticut
term months
48
asking price
9500
dealer addons
1495
dealer doc fee
399
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