Steel or aluminum prop?

Thinking about going w/ steel for longevity and better performance. I have a 19" CC Bay boat w/ Suzuki DF115 and would like some informed opinions. I use it both both on the north and south shores along w/ lakes upstate. I hear that if you ruin your outdrive by striking something w/ a steel prop it's covered by insurance, but do I want to wait for the work to be done in that event and miss out on fishing? How likely is it that I ruin the outdrive w/ a steel prop? I have never hit anything solid in my normal boating areas. Thx.