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When you fill your car with people, so if gets gapped in a race, you can blame the extra weight being your disadvantage. The insurance being you may win, but if you lose you can blame something other than your car or driving
“Aaron always has gap insurance because he knows his car is slow”
Extra-heavy elastic, stronger thread, larger buttons, etc., that help ensure that your clothing won't be either "saggy 'n' baggy" or revealing.
Hot chick: I like guys as much as any of the other chicks around town, but I also value my modesty and appearance, so I always choose clothing that has sufficient gap insurance; I don't wanna give lustful studs or anyone else the wrong idea about me by looking slutty or sloppy.