As said above, if you want a nonstop flight from anywhere near you, CDG is the only option.
Orly (code ORY) gets connecting flights from many European airports. It gets flights from JFK (on Air France), Newark (on La Compagnie), and part of the year from Montreal (on Level).
If you have a choice with a European connection, Orly is closer to Paris and is a cheaper taxi ride than CDG. By mass transit, it's not so much different. I certainly wouldn't choose a route from Seattle to JFK to Orly, over a nonstop from Seattle or Vancouver to CDG, just to fly into Orly instead of CDG! But, if you're connecting in Europe anyway and the price is the same, you can choose Orly.
Paris's "third" airport is Beauvais (code BVA), which is far from Paris and only gets budget flights, mainly Ryanair.
To learn who flies from an airport, look at that airport's Wikipedia page.
I agree that if you want "flexibility" for family emergencies and the like, use travel insurance. Just make sure the policy covers what you need. If you want "flexibility" for the ability to change your mind (not for emergencies, medical situations, etc), then you can buy "cancel for any reason" insurance, although note that you only get 75% of your costs back if you cancel for reasons that would not be covered by other policies. Or, you can buy flight tickets that are more flexible (for instance, they may allow changes after ticketing for a fee, rather than being completely non-refundable and non-changeable). Tickets that are fully refundable (not just changeable for a fee) cost a fortune.
Note that things can be covered by insurance you didn't expect. A coworker wanted to be covered if she canceled her flight because her grandson was hospitalized. She assumed she'd have to get a cancel for any reason policy, but reading the fine print, grandchildren were included as "family members" in that company's regular "illness of a family member" policy, so extra cost coverage wasn't needed for that purpose.