If the roumors is right, that it is gorilla glass. I guess you realy need the insurance when it needs replacement.
In my part of the World, the sun is not a big problem, driving in with the sun in low position big parts of winter is on all type of cars.
Hitting a Moose in hight speed will be a problem, protection behind a glass or a cross beam do not make any different output.
If the Moose is not flipped over they car, you die.
I love the windshield, and hate sunroof more problems than usefulness.
The few hot days, vent helps but AC is better. Open and you get the sun straight in your head and you get overheated.
Biggest problem with large glass surfaces is the winter and not as good isolated as regular roof.