[woofster]

It's a tough call but as with any kind of insurance, the majority of people never exercise it but the odd chance that you do need to, it's a life saver. I typically do opt for a third party extended warranty once the OEM warranty is up. The cost is definitely something you have to factor in, meaning if your goal is to save money upfront, by all means, don't get the extended warranty but set aside some money should anything major arise in the near future.