More people are killed by trees than you hear about.
Even people who do it for a living do make fatal mistakes.
$450.00 is a REALLY CHEAP PRICE to be able to see the kids take the pieces elsewhere.
The key word? SEE. As in "I'm alive to SEE the next day."
Go for the expert and a little less in the wallet...unless you REALLY want the wife to cash in that life-insurance policy...your demise should qualify as an accident, right?