Provided you actually DO set this money aside for a contingency, I don't see any actual argument other than catastrophic loss.
Insurance paid work we have done:
• Water heater I nn the attic blowout, customer lives in a subdivision where there is +75 feet between houses & the layout of the properties prevented any of the neighbors from noticing... no phone call to say "hey, I know you left tow 2 days ago for a 7 day tip... water is running out of the back door & I don't have a key to go inside & see what's going on."
• ⚾️ or larger hail (golf ball type hits CAN cause long term damage & shorten the life span of your shingle roof, however it is uncommon for that to be an immediate requirement to replace... baseball hits from the April 24 storm that hit me, Johnson City, Henly, Wimberley, San Marcos... I have seen metal roofs & OSB decking that were punched in.
Again, provided you actually set those premium dollars aside for possible use (maybe invest it in a C.D.?), go for it with that assumed / understood risk.
*current costs for a shingle total re-roof for a 1 story "walkable", 30 year (generic Dimensional / Architectural) is around $ 500 to $ 550 / square & for a somewhat common 35 square house that's $ 17,500.⁰⁰ to $ 19,250.⁰⁰.