The way you describe the downtime (Yes to the fan!) is exactly what I have experienced. I'm on day 3, roughness in full effect and darker spots coming to the surface!)
I had this done and it made very little difference at all. I think it's okay for young skin, but not worth the cost for mature skin. Runs about 1,500 per session if I'm correct depending on where you live.
As no long term studies yet exist to prove safety over time (as to weakening of skin health, unpredictables: skin cancer, etc), insurance companies will not take the risk.