Good glad you went for the Locate as I did, it is a bit of fun as well looking at the journeys done in the car, speed, distance , fuel use etc, also for spying as you say.

If anything when you sell the car eventually I think it also adds value.
Gap insurance is a good idea, but as I stated most people add bling to the RRS and with service, tyres brakes etc, you have a massive investment in the car, and dont wont some to benefit from that.

Enjoy