I believe if you destroy it, then the insurance number goes down. But if someone in your party destroys it, you'll get it replaced for free without wasting the insurance value. At least that's how it has worked for me.
I see what you mean. Especially how you'd rather explore at your pace. That's something I liked about XC. While there wasn't as much exploration, I sometimes took time away from the story to go look around or finish a side quests. You can't really do that in XCX, you have to explore when it...
When I first saw the game announced at E3, I expected a game more like XC, but as the game got closer to release I realized that it was going to be quite different from the original. Now that I'm playing it, I can see that XCX is more of Monolith Soft showing their take of an open-world...
I'm really liking Xenoblade Chronicles X. The skells are an amazing addition to the Xeno series and add to the already vast exploration. Flying makes travelling so much easier. The exploration in this game is amazing. I don't know if I've played a game that I've wanted to explore more than this...