So yes, I would like to be protected from all parties. I don't think that's nuts.
I agree with you on the liability issue, but I don't think there much question about this issue outside the anti-AI conspiracy campaigns.
And I disagree with your typical usage claim. I myself tend to use the phrase that has the fewest words in all cases. It's like the rule against using passive tense when writing.
The attack here is neither of those things.