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Warranty companies are in it to make money. In my experience, it's never wise to get it. Read the coverage very carefully as the exclusion clause can be as long as a football field and there's too many gray areas. Personally, I would rather have the money in my account and I get to choose what gets fixed instead of giving someone your money in order for them to tell you what you can or cannot get fixed.
My opinion on the extended maintenance is similar.
In theory, if you properly maintain your car, it should not catastrophically break down to a point of needing the warranty coverage.
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