Not exactly to point but a about 5 years ago my brother in law cut his finger with an electric chain saw. While he did not cut the bone he cut down to the bone. He only had a high deductible insurance with a 10,000 deductible. The ER visit and one follow up visit to his regular doctor cost him out of pocket $5,000. He was also in a lot of pain for several weeks and to this day he still does not have a lot of feeling in that finger. In my book $5,000 out of pocket + several weeks of pain + permanent nerve damage more than covers the price of the saw. Call it additional insurance. For the record I bought my SawStop after my BIL's accident.Sorry to hear about your accident.
After you have finished paying alll the medical bills (ER, Doctors, prescriptions, etc.) could you total them up and post them here? Then we can have a first hand account to compare if the difference in price of the saw would have been worth it. Thanks.