I have a half dozen AR receivers that are registered in PA as pistols, as a little extra insurance for all the short barrelled uppers I have floating around when they are not on my M16s. I'm also in the process of transferring two SBR receivers, so I can make use of some of the uppers when not on the 16's (a 14.5" pistol is a little cumbrous).
As far as worrying about breaking a RR, I have mine insured so that if they get damaged or stolen, they get replaced. The insurance includes unlimited use of the covered firearms, as well as accessories (like optics and mags).
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