.. Debating do I call them now and tell them it has one now and take that hit? My experience with aftermarket parts is they won't cover it anyway, only OEM etc.. unless you get a stated policy...
Years ago, I had a car that had a bunch of aftermarket stuff on it. And I had a policy that showed all of it being covered, specifically called out, photos, everything. When the car was totaled, they still refused to provide the value for the aftermarket parts because as they said "they weren't replacing those parts" because the car was not going to be repaired.
So, no, F'em!