Pros: I love to the car I got. It was perfect for my needs and served me well during a 3 Week Rd. trip in Western Australia.
Hertz did right by me.
Cons: there was some small damage to the car, and because my insurance is through a third-party, now I have a hassle on my hands.
I think it's worth it to book directly considering how much the coverage costs and is at this point totally wasted money.
If the third-party insurance actually comes through and pays for what they should pay for, I will feel differently. But for now I wish that I just booked directly through Hertz.