I guess it depends on how you want to spend your money and the type of person you want to give your money to. One practices a 25% coverage idea which in the long run should give you great results and allow you to save money in the process and the other.....well I am sure will allow you to swipe your credit card until your blue in the face, and probably allow you to even deaden your windshield.
I am a cheap F*CK and a sort of "bang for the buck" consumer so I want the most effect for my cash as possible. I can then use the other 75% on crack and *****s. Win, Win.