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The article states that their insurance paid the ransom.

Over $32m in investments sitting in ARRL's coffers. No wonder they figured they could go for broke on a ransom demand and hope for the payout.

If statistics are to be believed they're going to get a nother wave or few

Their insurer paid most of it.

Which brings up the other topic.

Is the insurance cheaper than the impact and costs of preventing it in the first place?

Sale of Amateur Radio AMPRnet TCP/IP Addresses Raised $108 million https://nediv.arrl.org/2020/10/12/sale-of-amateur-radio-ampr... I don't know how much went to ARRL.

Different organizations. ARRL has received grants from ARDC thanks to that money, though.