+1 on the insurance, especially if you think your lowers may be the last you ever buy - doubtful you will ever have any receiver wear using them, so if you have an extra $30 lying around and 5-10 minutes to spare, you can't go wrong using them. In my opinion, triggers seem to feel nicer with these installed.
FWIW, my first attempt at using KNS pins was with the Gen 2 Mod 2 version, but I actually BENT one of the connector posts while tightening the screws. Thankfully I was able to exchange them no-questions-asked for Gen 2 Mod 1 (the big fat strong ones) and used them instead.

