Hi A.,
I know this is such a hard decision to make. We did it when our son was about 4-6 months old. I stressed out about whether to do it or not too. I am glad I did. You will always wonder if you could have saved some money and not done it, but isn't that better that not having done it and risking your child having issues in the future! Our insurance didn't cover it because we are self-insured with a super high deductible. We shelled out $2000 for it out of pocket, but I don't regret it at all. Nate wasn't even in the serious category, but it was enough to be noticeable. Yahoogroups has a wonderful support group. Do a search on Yahoo groups and you'll find it. And if you need to talk further or have more questions, feel free to email me privately. I can show you pictures of my son in it or anything else that may help. And by the way, we did it in the summer and he didn't have any heat stress issues. (We did take extra care to keep him cool by pre-cooling the car, etc.) We also didn't have any sleeping problems, which was my biggest worry. I have a picture of him asleep in it a couple of hours after he got it. Good luck.