I don't see a reason to gear one up. I don't see many reasons to pick a Baron/310/whatever over a PA30/39.
Insurance fraud is an economic decision.
If the speed/payload/OEI performance of a Pa30 is sufficient, then yes there is little reason to choose an twin with only marginally better performance.
On the other hand, there is quite a bit of third-party support for the Comanche line... And there are an awful lot of Bonanza owners with magnesium control surfaces who are wondering what's going to happen to them if anything goes wrong with those.
I know you said bonanza, just to point out that the same skin on the Baron can be replaced with a STC'd aluminum part.
And finally, while Textron (Beech/Cessna) has the ability to make and sell parts, I think Textron has figured out that they have us over a barrel. Hell, they wanted $1900 for a stupid manifold pressure gauge a couple years ago, and $19,000 for a hunk of metal with an FAA stamp and a "Gear Pivot" sticker on it... And they invited us to wait for three months for it, too. So, we got the MP gauge from a scrap yard (huh) and the gear pivot was repaired by a place that had developed an FAA-approved repair process because of the ridiculous cost and lead time Cessna had.
But they had the part or the process to make a one-off.
People still manage to keep P-51s flying, and North American has not been around or making parts for those for what, 50 years?
Experimental exhibition is a different animal from using a certified airplane for personal transportation.
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