The biggest difference between 200TW tires and 100TW tires is being able to catch a drift before the car does a loop. I can catch most drifts with 100TW tires, and only occasionally catch them with 200TW tires. Maybe your reflexes are better, maybe you don't push your car that far, but to me the stickier tires mean that my car is less likely to loop, and get crunched. Better tires means less likely to get in an accident.
I was paying over a $1000/year on full insurance on my goblin... but I realized that if I get crunched, the local body shop isn't going to fix it, and the insurance company doesn't care about my sentimental value, they are just going to cut me a cheque. I don't want a cheque, I want my car, and I want to stay out hospitals. So I dropped my insurance to about $200/year for uninsured and liability, and spend the extra on tires.
I
bought my R888R's in August 2021, I beat the crap out of them and haven't killed them yet. I regularly take people on joy rides, leaving black circles in the back of empty parking lots, full throttle pulls every drive, driven about 5 days a week, occasional autocross raced (Usually use my A7 race tires). This year I noticed the R888R tires have every second treadwear marker at 2/32's of an inch, and the other treadwear markers are at 1/32"... So I am driving these barely treaded tires down to 1/32", and getting every smile I can out of them... My new Maxxis tires are here, waiting for me, but I'm having too much fun killing the old R888Rs.