Yeah....it's just way too expensive for me to do. Plus from what I've read it can only be used for 15 years, which isn't that great. I am not going to do it, I don't know anyone that has... I know some companies have monthly payment plans if you really want to do it.
I would take a look at your family history - if you have no problems with illness in young children/etc, just consider how expensive it is.
It's such a hard choice, you feel guilty not doing it almost!