At the SSCA Gam in Annapolis last year they suggested a separate antenna as suggested here or a backstay one but with only insulator (at the top). I am replacing my standing rig in a few weeks and think I will go with the latter solution. The boat has the traditional rig with two insulators but these bits are quite expensive and if you don't need one of them ...
The rigger I am dealing with (Mack Sails in Florida) said he has never heard of an insulator failure.
Heading back to Lake Ontario for this summer. Relatively few stops along the way from Grenada. Martinique, Guadeloupe, St. Martin (must have something to do with the French food), then Bermuda, New England and up the Hudson/Erie Canal. We were going to go via Newfoundland and Labrador but June remembered that one of the kids is getting married this summer - details, details!