I'm shipping my bike to Utah for my wedding and have read that FedEx insurance is crap. In fact, it's not really insurance at all but when I plug in the value of my package ($3,500) it raises the cost of shipping by $25+. I've read about using a 3rd party to insure it and it's much less plus you get more coverage. Thoughts?

*I work at a shop and it is certainly professionally packed in a nice Trek Madone box with foam on every single piece of the frame I could get it on. It's a steel hardtail but I've just seen some horror shows come and go from shops I've worked at in the past.