IMWO, your mad not to have it even for peace of mind... They don't cost jack Shit and could save ... well anybody. Your niece/nephew, your mother-in-law... etc.
Did mine through a Gov grant with 4wd Victoria.. Most people who were on the course had 200 horror stories, specially the president bloke.
Maybe they are fact, if they are, remind me never to do a trip with them, cause every trip someone dropped with a heart attack or similar...