Outside of AFF? Why bother with annual multi trip for domestic trips if you don't travel often? Makes little sense. You're already covered for medical? Cover yourself for what the airline should cover? Bull.
I pay months in advance for a service and expect full delivery of that service including coverage for any delays including weather and ATC. The airline should be responsible for contingencies, not the traveller.
P.S. Pre covid the airline covered delays including weather and ATC. What has changed? I'd expect the airline to cover any delays.
e.g. Weather in SIN delays Scoot aircraft until next day. My 10:00pm departure becomes a 4:00pm departure next day. I need to cover accommodation? No. The airline does. They are providing the service. Any other expectation is totally illogical.