I do not buy any PIP because I have health insurance with an out of pocket maximum.

Although, I think states should require quite a bit of PIP as well so that non drivers are not subsidizing drivers.

Michigan's unlimited PIP is lifetime (so no out of pocket maximum to cover in year 2 of your catastrophe). There's rules about what is covered of course, but the financial side of it is a bit simpler.

My premium for the year is less than 1 month of health insurance, it's pretty cheap.