Flor... I'm saying that it's not what the school offers that's key, what matters for your one child is whether they can blossom to be what they could be.
Think gardening and livestock, with just the basics, the most amazing specimen will emerge. People are resilient, they change, they learn. Young people even more than the likes of us. So, yes, for some specimens, and they aren't that rare either, a good comp will offer just as much as Eton. For the really exceptional ones, Eton has little more to offer. Eton is a great great place, it's not the only one. I know that it has its share of boys where things don't work out, just like comps, and it's big enough to not pretend otherwise.
Insurance is appealing, but most people get on with life without it, and are no worse off as a result. When it's worth their while they'll get it. It's optional and functional, not ideological.
It would help to say what the point is that we're all missing? Networks? Access to next steps? It's a new century, the theatres are changing, the conduits to success, however you define that, are wider and more open. It would be good to know what your point is, and whether it really can't be got in other ways.