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In $\mathbb{Z}$, the saturated multiplicative subset $\{-1,1\}$ has complement equal to the union of $(p)$ over all positive primes. No finite subcollection of prime ideals covers this complement: a prime outside the finite list is a nonunit not in any listed ideal.

Every local subring $A$ of a field $K$ is dominated by a valuation ring with fraction field $K$. Order local overrings by inclusion and contraction of their maximal ideals; chain unions are local, so Zorn's lemma gives a maximal one. For each $z\in K^{\times }$, at least one of the extensions of its maximal ideal to $V[z]$ and $V[z^{-1}]$ is proper: otherwise two least-degree relations for $1$ with maximal-ideal coefficients reduce one another to a smaller-degree relation. Localizing the proper extension gives a dominating overring, so maximality forces either $z$ or $z^{-1}$ into $V$.