By the way, I don’t personally use associations. I rely on the hub, but my experience is that the hub is very reliable. Initially I ran the hub code on Raspberry Pi systems and that worked fine. However, more recently I installed Synology NAS systems in both houses (I keep the homes connected via a permanent VPN) and moved the hub code there. I have had virtually no outages of my hubs other than those caused by a whole house power outage in which case the issue is moot.
Also, one other small advantage for 3 way switch setup. Inovelli (and some competitors) allow you to use a dumb switch or a cheaper “companion” switch as the extra switch(es) in the 3 way. So you don’t need a full function switch at each end. It always annoyed me that I had to pay for a second full function Insteon switch for the remote on a 3 way when I wasn’t really using any of it.