We rented from MCO 2 weeks ago. The line inside was terribly long, so we kept going to the desk in the garage.
The line there had 1 person in front of us and they finished just after we walked up.
There was no hard sell on the insurance-it was never even mentioned. The car was pre-assigned (altho she asked if the make was OK).
It took us less than 5 minutes from start to finish. It might have helped that I had signed up for Fastbreak first, so they had all of my information.