Well its just 2 buttons (Click Insurance then click NoobShipPleaseThx button), and only when you arrive at a station in pod, without any stored ships. I mean how often does that happen?
on the other hand there is a lot more button pushes for those who don’t want the ship (I think… could be wrong, never really counted).
However, yeah, an opt out is an easy way I guess.
(But then you still have to add in a way for those who opt out to get one in the rare instance they want one… gaaaa!)