No. I never pay any extra for "tire insurance". I've never had much tire damage troubles through my life. DT's free repairs help with the occasional puncture and if I'm unlucky enough to destroy a tire I'll just eat it.
Yes, the oem toyo's had highway speed vibrations. More so in the first 10ish miles of driving and they would subside somewhat once they warmed up but never went away. It's was just a slight thing. I could live with it but always felt it. Not enough to make me want to throw away serviceable tires but more than enough to make me not ever consider toyo's on anything.
I wanted to wait till I had a few miles on them to report. So, 1 week later and about 500 miles of mixed driving and I can happily report no vibration

. In the two mile surface street drive home from the tire shop I could instantly feel the softer more plush ride and notice they were much quieter. Biggest difference in sound is on smaller impacts and bumps. They really soak them up and cushion the ride. Bigger bumps/impacts felt about the same as oem toyo's.
The toyo's would howl with complaint when pushed through turns / ramps and the conti's are silent and happy at the same speed. Wet traction on the Conti's is outstanding. Really great grip and hydroplaning resistance at highway speeds through heavy rain / standing water.
The Continental Cross Contact LX25 is in every way far superior to the oem Toyo A36.
I do tow with it from time to time and I don't expect any issues with the conti's in regards to towing but I'll report back if there is anything noteworthy.