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I think the chances of the proctored home test being unusable are slim, although it did happen to us. In our case, the test kit was expired but according to the FDA it was still usable, but in reality it wasn't. I doubt that the home test kits available now are expired, so much less of a chance of getting a bad one.
I don't know what state you live in, but some offer free testing. Here in Florida, the state offers "free" antigen tests with documented results within 30 minutes. The operator of these public sites bills your insurance company for the outrageous amount of $200+ (of which the insurance co. pays about $40), or if uninsured, bills the federal government. There's no out of pocket cost. Now that Covid is on the decline, there are a lot fewer of these state sponsored public testing sites - down to just 1 or 2 per county.
Another option is to find a local testing center or clinic that charges a reasonable amount. Not CVS, Quest, or LabCorp, but an independent clinic that specializes in Covid testing. Use Google to find one. There's an independent diagnostic lab in our area that does a rapid antigen test for $40, and that's what we'll be using for our cruise in 2 weeks.
On another note - I think it's criminal that some of these organizations charge outrageous fees to conduct a test using a kit (BinaxNow) that has a wholesale cost of about $5. I'm not sure why the government allows them price gouge like this. I was in Asia recently, and the test kits there retailed for about $1.50.