What you said about insurance is probably true.
It depends on what you want to do. If you have a prospective employer that has given you a conditioal employment offer and dictated that you go to brand X because that is where they do their training, then you have no choice.
But if you just want to get a new type added to your certificate knowing that you are going to be retrained on someone elses company procedures anyway, than I am not sure if the extra money for brand X is worth it.
I would talk to the prospective employer first. Do not spend your money until you are fully informed about the marketplace.
Remember, if you get a LRJET type now but do not get hired until this time next year, your fancy rating might be worth the same as the cheap one since you are no longer current either way.
Good Luck!