I just bought a set of Fender "Custom Shop 60's" pickups from Musicians Friend and the salesman told me to get the 2 year insurance ($25) because he says he's had a few customers you say their pickups have gone out on them after 7-8 months of regular playing. I have 30 days to decide. But, if a pickup is bad, it would be bad right off? It's going into a Jazz Bass. How do passive Jazz Bass pickups go bad if not abused? You think he's getting commission for the insurance? Or is this true?