Hmm, I've added tag lights and marker lights to mine for safety reasons, but I have an Antique plate for now. I would say I spent $70 on lights to get it up to DOT spec for a truck this size.
-license plate light
-front (amber) side, mid (amber) side, and rear (red) side marker lights
-5 amber lights across the top of the cab front
-3 red lights in the middle of the back just below the bed
I used cheap lights from a truck stop that had 12v 194 bulbs, and then bought bulk 454 24v bulbs on ebay to replace them.
I got power for them all from the trailer hitch wiring. I also wired my front forward markers to be on with the headlights.
I don't think you NEED those lights, but it's easy enough to install them, and a big safety improvement.
If you don't mind, can you PM me the premium, policy details, and agent contact info for the insurance you got? I'll be switching from antique once my insurance policy is up.