In reality, the DRL will make you more visible. I remember somewhere that a study was done and measured the distance that a person could see a car at w/ the lights and without. You could spot a car farther away with DRL than without.

And to respond to the insurance comment- many states actually require that if your wipers are on, your lights are on. Makes you more visible during bad weather conditions.

Sorry Ian, I think you just got voted out of the tribe