Good advice above, I rarely thought about the uninsured route prior to moving to a state that required it as minimum coverage. It's worth a try if you ask me.
JThomp, if you do end up replacing it, may I request that you don't throw your old one away? We could work a deal for me to get it and try to look at the internals.
... but yes, access to the mirror seems manageable. I haven't done it on this platform, but from the manual it seems very similar to what I did for my y50.
Here are the relevant pages from the manual:
pg 24 -
http://www.nicoclub.com/service-manual? ... 12%20M/MIR
pg 25 -
http://www.nicoclub.com/service-manual? ... 12%20M/INT
VIDEOS. Pardon my self-promotion:
m45 door panel
m45 side mirror