If a perm owner designates the route, that opens them up to some liability- so you need the insurance.
If each rider just goes and "rides around" for a 200k and then submits their Strava record or receipts or whatever- you basically have the UMCA "year rounder" program. Which is fine, but then you need a bunch of volunteers willing to certify all this.
Personally, I liked the existing perm program, but reckon I'll deal with whatever they come up with.
__________________
"be careful this rando stuff is addictive and dan's the 'pusher'."