Last comment from me on this
I would never judge any person on how to spend their money. If you ferl better about buying aftermarket warranties, do so. It's that simple.
I wii say, you have already spent "thousands" in anticipation of future failures.
A dealer sells a warranty to PROFIT. A warranty company provides a service to PROFIT.
AMBest reviews strengths of insurance companies. Do your due diligence. Make sure your provider is solvent. A bankruptcy by the provider cancels your ability to collect and no one gets refunds. Only the lawyers do well.