Home insurance doesn't have any negative effects on those around you (unless of course you can't actually afford it) the OPs point is that self-res warlocks do not meaningfully contribute to the team because the cannot or more often choose not to use their super unless they die where as a void walkers can use their Nova bomb as and when its available generating orbs for other team members to use their supers and increasing DPS Vs bosses or clearing groups of mobs.