An article on this would be helpful. There's a lot of information out there to draw from so having some of it condensed and put into one place would be great.
Of all the dogs I've owned so far, I've never had insurance either and only recently discovered there is such a thing. My initial thoughts are that it would definitely be worth it to have insurance just-in-case. As you said though, from what you've heard everything can never be fully covered so I'm feeling like in order to invest in pet insurance, it has to be worth it. Definitely has to be purchased from a very reputable company that also has glowing reviews.