Those warranties deals are another money maker for the dealers. I have not purchased one nor I had a misfortune to need one neither.
Look at it this way, multiply the amount that goes into the "gold warranty" times the number of payments of the car. Lets use a hypothetical number, $35 per month per 72 months. 35x12x6= $2,520 at the end of your payments. Then take in consideration how often you drive your vehicle. In my case I had my Z for almost 6 months and I have not put 1,800 miles on it. So most likely I'll put less than 5,000 miles per year. By the time I'm done making my payments I'll have about 30,000 miles but my 3 years will be obsolete by then. Nissan warranty is 3 years/36,000 basic stuff and 5 years/60,000 powertrain. Since I have had my fair share of Z's plus given my driving style, it is unlikely that I would need something out of the ordinary when it comes to warranty. A belt, battery, alternator and the alike are things that I can do myself, don't cost that much and I would be saving hundreds and even thousand in the end. If you want to pay it then go for it, at least will give you a fallback plan in case something happens. If you drive it like you stole it then you need extra warranties and the help of God to cover for repairs. If you drive it "normal" or easy then I would not be looking at buying extra coverage.
Then there is the other aspect, if you are mechanically inclined and don't mind doing the labor yourself then there is no need on buying something that you are not going to use.
I hope it helps on your decision.
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Sarcasm and Orgasm are about the same thing. One is good....the other is better.
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