yes, it makes sense. I let my insurance lapse and I'm not doing any work for anyone. I do enough to keep my skills up. If you really want to do this fulltime, you should try to figure out how to get the money to practice, and not on your friends until you are fairly skilled. You can practice on scraps for a while, no reason to always build frames. When I wanted to learn how to braze lugs with brass, I used scrap tubing.

As far as waivers go, they aren't worth bothering with