Are you familiar with the difference between Berkshire’s Enhanced and Basic residual contract language and how material the language difference could be at claim time?

I’m a physician resident researching to purchase an individual specialty specific disability policy and have a question about Berkshire. Berkshire has two contracts. 1. Provider Choice Premier and 2. Provider Choice Select. Both contract versions have exactly the same contract language for Total Disability that includes their “enhanced medical occupation definition”. The big difference appears to be in the residual definitions. The “Premier” contract provides access to their “Enhanced” residual definition. The “Select” contract only offers their “Basic” residual definition. I’m considering their Provider Choice Select version with Basic residual. One of my primary goals at this stage of my career is to protect future access to (top shelf) coverage by inclusion of their (no cost) Benefit Purchase Rider on the Select contract or Future Increase Option Rider on the Premier contract. If I go with the select contract version I can get a lower benefit amount (to supplement my group plan that is also with Guardian) and still protect future access to Berkshire’s issue limits without any future medical underwriting. This will keep cost down until I finish training and allow me the peace of mind to not have to worry about any potential medical exclusions or being declined. I realize I would have less coverage if something bad happened during residency, but the finances are really tight now. If I go with their Premier contract then I would need to purchase more coverage and therefore higher cost to accomplish the same objective. I’m wondering if you’re familiar with the difference between Berkshire’s Enhanced and Basic residual contract language and how material the language difference could be at claim time? Your perspective would be immensely appreciated.