Bullbar or not

Hello,

Keen for some feedback on this one. I have just bought a 120 series Prado. Mostly its a family car for travel to and from work and used for anything and everything at the weekend for 2 adults and 2 kids.

We live in Perth and like to get out and about at the weekends but not always down dirt tracks although that is what it will be used for when needed.
My question is do I wait and see if I have an incident and then upgrade and install a bull bar by paying excess on my comprehensive insurance or do it now.

My 100 series had a steel bar and had its uses, especially one incident outside Canberra with a 100 kilo plus roo. My Pajero didn't have one, although I was always on the look out for one I never ended up sourcing one and I didn't feel it inhibited us going any place we wanted too.

Most Prados I see are fitted with an alloy bar, not sure I see the point in an alloy bar but I am open to be corrected. Also, not sure I can afford $2k right now.
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