

There are a huge variety of factors but one I think people tend to forget: your state of residence
Massachusetts or Hawaii, you’d prob not be much worse off than your current situation. Most states, you’d likely owe whatever your insurance plan’s out of pocket maximum. In most of the Southeast and Texas, you’d probably be launched into the sun
Sometimes they quiet down out of confusion but I once got hit with a “DADDY, QUIET!!” between screams out of my kid when she got a bit older and wised up to the act