So, how would this play out with my luck. I'm flying along in my new Cirrus, admiring the day, when suddenly, I experience a catastrophic RMS failure. The engine pukes its oil and is D.R.T. (dead right there). No worries. I've opted for the $20,000 parachute option, which deploys perfectly, and I glide peacefully back to Earth...right into the mouth of an active volcano...