I would recommend an umbrella.

The umbrella not only covers auto losses but also losses stemming from your home and personal activities. Have a pool, trampoline, sled, etc? If a kid dies or is seriously injured on your property, buckle up.

It is better to spend a few hundred bucks to protect yourself against a black swan event. Insurance is for catastrophes. If you don't have enough limits you are wasting your money.

Further, the uninsured motorist coverage is a huge factor. Think of the potential costs associated with a family of 4 being hit by an uninsured driver. Sure, your health may pay medical costs but what about pain and suffering, home conversion, loss of spousal benefits.

An umbrella is a no brainer.