It's good that JL offers a burn in warranty and RS might, perhaps oleds are improving burn in wise, but the manufacturers themselves will not back their own products?
We know for the most part insurance companies will do anything they can not to pay and will word their small print to give themselves a good chance of not paying. So if the insurance company does not pay out and you curse them, they don't care because it's not uncommon for them not to pay out and you can't damage their reputation much by shouting to the world.
The TV manufactures though are protective of their reputations and therefore give you the implicit warning before you buy their oled, "Don't buy this TV unless you use it to our advised usage patterns, if you don't there's no warranty! And even if you do use it as advised there's no warranty for burn in!!!! ".
It's doubtful we'd get any joy out of either of them?