I’ve got refunds for trains for Wolves away (last year) and Villa away without buying that insurance.
I think if train strikes affect your ability to get the train, it means you get a refund.
I’ve chosen to do Forest over Chelsea and Arsenal in December. Couldn’t justify it otherwise. Plus those two will be on Sundays and are unlikely to be better than they were last year. Forest, however, can’t exactly be worse than last year…