As long as you're holding a lightning rod and standing in a pan of water, what do you need insulated tools for ?

If it helps, here's what's in my large tool belt..
6-in-1 screw driver, ChannelLocks, mini-ChannelLocks, pliars, needlenose, a 9 and a 5 adjustable wrench, dykes, linesman, allen wrenches (metric and standard), torx, cordless (18v or at leat 14v)with 5/16" and 1/4" nut drivers and assorted drill bits, quick-change counter sink, hammer, hacksaw (not the cool half blade ones...they're cool but mostly useless), ViceGrips can be handy and essential when you need them, open-box wrench set, tweeker, utility knife, telescoping mirror and telescoping magnets are great albeit rarely used, tape measure, mini-propane or butylene torch (crack torch size), soldering iron, flux and solder, two-part epoxy putty, electrical and teflon tape, easy-outs, assorted screws, nails, nuts, bolts, wire-nuts, clips, connectors etc, files, chisels, awl, punch, torpedo level, lighter, lucky maintenance warrior screw fetish...
There's a lot more in there, a lot of it for A/C work, but the above are the basics.
And, yes, you're a wimp for using insulated tools to change ballasts...a smart wimp perhaps...but a wimp nonetheless. Wait till you get to the 100a service breakers that go out and you have to change them hot or call the utility company to shut down the building but you can't tell the utility company that it's a 100a breaker or they'll ask you to produce your permit to change the breaker which you don't have 'cause it's 4:30 on a Friday afternoon and the City won't be open until Monday morning so you hand the assistant a 2X4 and tell him if you scream or he sees smoke to whack you in the arms and kick you away from the box which probably won't save your life but at least you won't get toasted and maybe CPR will work...
Get the insulated tools...