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Since we're on this topic: any notably good insurance companies that folks would recommend if we're talking privately purchased disability insurance?

Mine is through Principal, because it covers mental and nervous system issues too. It was the only one that did when I was looking.

I'd also like to add that if you end up collecting, DI payments are TAX FREE. The second I found out this existed I got a policy asap lol

DI payments are tax free if you pay the premiums out of pocket. If the employer pays your premium through a group policy, the payments are taxable.

At least that’s my understanding, anyone reading should confirm with a DI broker.