It won't cover your ass at all. I'm of the opinion (but I think I'm the only one) that the more paper work you require, the closer you are to an unlicensed dealer.
I agree with the new people assessment. Another thing to consider, is that for the most part, most regular posters are familiar with most other regular posters, so we're all pretty comfortable with each other. I don't know about you guys, but the first time I join pretty much every web forum, I think everyone is a douche bag for the first couple of months until I get to know people. For instance, I probably wouldn't want to post up a gun for sale on many of the other websites I post on.






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