Deciding whether or not an extended warranty is needed is just like with any other insurance policy. If replacing the 'vert top mechanism (or other major components) would set you back financially, then it's probably a good idea. If you think you can comfortably afford major repairs after the warranty runs out, then it doesn't make as much sense. Ofc, you also have to figure in the probability of a major part failing; from what I've read, 'vert mechanisms are pretty reliable but not that reliable.
My advice, FWIW, is to get the extended warranty. YMMV
|