Like i say every one are different, i am owner driver, if a vault does not appear in the 1st year from new, 99% sure it will be ok.
A 5 tractor outfit on a spud farm, yes you will need a lot of cover
You'd think so, but bar the hours worked, the image of 'spud men hammer tractors' doesnt really apply:
2015 MF 7620 - (3000hrs) Ridging in spring, land work and drilling at back end, driven mostly by the same man (1200/yr)
2013 MF7620 - (4600hrs) Landwork in spring, quad baler then potato harvester - again, one man does the majority (1300/yr)
2010 MF6480 - (3000 hrs) - recent replacement for a 6180 - trailer work mostly - one main driver (800/yr)
2006 MF 7480 (12300hrs) - spraying and potato planting - mostly driven by me (800/yr)
1994 MF 3075 (10200hrs) - turning straw, rolling, drain jetting, irrigation. Anybody tractor (300hrs/yr)
Rare these days for any to leave under 6000hrs.
We have several excellent self employed men that come with their own tractors who do various things, desoning and windrowing, landwork and trailer work.
So largely we avoid the 'hero' mentality associated with potato haulage particularly.