what do they plant?
Pioneer.
As others have said, the risk is to labor & fuel. Grower's thought process is that with the best genetics possible and seed treatment that the seed company will cover the re-plant. Someone can also correct me, but you can get crop insurance earlier than the April 10th date, you just have to pay for that option. Kinda like hail.
That said, I ain't even thinking of doing anything until the week of the 13th.