Many of us carry credit cards with substantial limits. There is nothing that says we need to use a credit card with a very high limit. Several people I know travel using two credit cards. One card has a high limit to take care of normal travel expenses. Meanwhile, the other credit card is still available to use for the remainder of the individual's travel expenses.
People renting a new car for two years is an example of how many people lease cars.
My recommendation is to always review these long-term car leases to determine if there are any exposures, created by the lease, that need to be specifically insured. Some people do not buy insurance from the car leasing firm. They choose to use their own auto insurance to respond should they damage the rental vehicle. For example, a local insurance agent, while on a trip, leased a vehicle and did not purchase the rental firm's insurance. He had an accident with the vehicle on a Friday afternoon.