Hahaha, that's funny, although a bit grim! Glad you returned from your trip safely.
I'm the same, for me it's insurance, but for me it's also savings. You're probably in a better overall financial situation (if you went on a trip for fun, I can guarantee it!) For me, when I was out of cash (was homeless due to betrayal and illness from 2016 to 2018) my silver was there to bail me out and get me through to a safe place. Once MediKatie and I stabilized in an apartment (Vancouver is very hard to find rentals even if you have money), we started to work on our health and finances, but then suddenly had a surprise baby. So we haven't really managed to recover our stack, but we definitely still believe in owning PMs as savings, and advocate others do so if they're able. It can definitely save your ass.