When my dad was buying my mom a walker (rollators actually) we decided she needed one for home, and one for outside/going places.

He decided it was much easier to just pay for the rollators outright, rather than dither around with the insurance company.

My mom has one for upstairs, one for downstairs, and one for the car/outside.

The reason she has one for downstairs is because she nearly killed herself trying to carry her walker down the stairs on the stairlifty thing she rides down on. So, we've got one for the basement that she hardly ever uses.

I used that one when I fell down the stairs in January and smooshed my knee up. It really helped a lot. If I ever get to the point where I'll need a walker, I'm going to try not to be self concious about it, because I can see how they really help.