Even though I have both the GWRRA and HRCA plans, hands down the HRCA plan as a towing package is the far better one to have in the event of need. Unlimited mileage to the nearest Honda Dealer or authorized Honda Repair facilitly plus it can cover authorized per diem expenses like food and lodging. You aren't going to do better than that in towing. All the same, experience has taught me that situations can always come up where it is nice to have options, and if it is a breakdown out somewhere in the remote, I'm going to like to have all the choices I can.
Keep in mind the HRCA plan also reimburses up to $75. annually for the cost of any MSF course so spending $39. annually for a HRCA plan is the best bargain you are going to find in motorcycling --- i.e. a no brainer.
Of course, the GWRRA plan has it's benefits too aside from just the towing package so I utilize those as well.
DaleC