The problems of both over and under counting steps is an issue to many Garmin users. Garmin Fenix 8 counted 4000 steps over an 11 miles hike yesterday. I would be ok with it being completely inaccurate if I could manually add steps or add activities. If you really are so concerned about insurance companies using step figures then surely these could be flagged as manually entered. We really don't want to move away from Garmin when we next upgrade our devices, so please would you give us a solution?