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Crazy in what way? to low? or to high?

My house is in a very nice area, we have good UPVC windows with high quality locks. Insurance cannot replace everything and I just value what I have inside and worked for all my life.

From what I can remember its alarm, no cctv smoke detector ( firebrigade notified ) was £99 extra 1 door contacts 2 IR detectors, key pad and a remote keypad. I think he said up to 8 key holders £25.99 was for monitoring and maintenance and new batteries twice per year.

ADT are offering full instalation for £49 then monitoring ( 36 month contract) for £25.99 per month. are they worth it? hows reliability? Any views.