Here is my $.02:

1. Get glass coverage, wait a few months, then have it fixed, if you decide to have it fixed.

2. I have NEVER had a windshield replacement go well. EVERY single one of them has leaked or had wind noise, or some other kind of BS. I have regretted replacing the wind shield every single time I've done it. If the crack doesn't bother you that much, skip it. That's my opinion.

J