I think the key is understanding exactly what coverage you makes the decision to decline easy. If you have the SEF 27 then you are covered except for your deductible. This covers you for losses to your vehicle and third party liability And then your credit card which is the same as the LDW from the dealership.
Once you can speak confidently to how you are covered and you understand where you are covered you are able to answer any of the sales pitch questions with a firm No.
The companies make money off the lack of understanding of the minimum required insurance required to be carried by the rental agency which varies on location, your personal insurance and what credit card insurance does.
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