Never saw anything on our health insurance over the years. But on the overseas travel medical insurance we use there is an upcharge for listed higher risk activities.
Most people underestimate the level of screwedness they face "if an accident happens and the thing they are driving is in some way noncompliant".
Even worse than 2-wheeled offenders are overloaded RV/Van/PU operators. Amazing naivety on those forums.
I guess I'm glad I picked Gazelle over Specialized. Only other one we considered was Trek. What happens if you don't do the update every 6 months? I can see a software update being need if you change components.
I agree PCs eventually benefit from software updates to communicate with other software the user wants to use. I'm still running Windows 7 on one computer because it still does everything I need it to do. Needed to update another computer because of Astronomy related software I wanted new...
I'd compare it to tire pressure gauges: mid scale is good. Our Sprinter and ebikes use the same gauge. Car has a different (lower max) gauge. Pressure gauge for old touring bike (110 psi tires) would suck for current applications.