I would have a look at specialist brokers. I use Darwin Clayton and they organised a policy for me after I'd given them details of what cover I needed.

To answer the question though. Is it better? Yes. Is it better enough to justify the outlay is a personal choice really. It makes the 645Z less necessary for what I do.

A friend of mine keeps holding me to task because I bought a K-1 after years of saying the APS-C was good enough and the jump to full frame wasn't enough to justify the change. It had to be a 645Z or nothing.

But I still bought one. Because I wanted one. Because it was quite nice for a wide angle lens to be a wide angle lens again. Because it looked and felt great in the hand.

But mostly because I wanted one, and my excuse was that I'd be able to review full frame lenses more conveniently than having to keep being sent a camera body to test them on. I tend to get sent a camera anyway, so it was just an excuse. Quite a good one though!

I wondered that, but the K-1 trade in offer probably runs to about the same price and there would be less rush for Ricoh collecting in the old cameras. I presume they would then upgrade the cameras at their leisure and sell them as refurbished.

https://www.ephotozine.com/article/irix-15mm-f-2-4-lens-review-30126

I would buy one without any hesitation.

The alternative would be

https://www.ephotozine.com/article/samyang-premium-mf-14mm-f-2-4-lens-review-302...

But the one I actually bought was

https://www.ephotozine.com/article/samyang-14mm-f-2-8-ed-as-if-umc-lens-review-1... which isn't quite as good, but holds up perfectly well at the apertures I will be using the lens for.

As for batch variation, all lenses potentially have the odd rogue, but if it's not up to scratch I'd just return it for replacement.

Public Liability Insurance is really a necessity, just in case someone trips over your tripod and breaks a leg.

But for selling prints, what sort of other insurance would be essential? If they all went up in a fire the cost of replacement would be relatively low and maybe less that the excess on a policy.

That's keenly priced!

The white cap is just a transit cap and has been for some years. The proper bayonet fit body cap is now an optional extra, and again has been for quite a few years. Fortunately I've accumulated enough of them so I don't need to buy one!

It can depend on many things including what processing has been done and how an image has been saved.

The special effect images I do from time to time, where many layers have been combined, tend to have no EXIF data. Likewise, if saved as "Save for web" the info is stripped out. "Save As" is a safer bet.

My images generally have all the appropriate data displayed on PU and then I can add in the lens.

There's a "Suggest a Lens" tab just under the lens box which might help for the more obscure ones.