inclusion (Security+ Gold) vs exclusion (Carchex) warranty?

[chrismau808]

To start i just wanted to say I want a warranty, i know some people feel it would be better to just stash the cash and save for a rainy day, but not me, I like the thought of $100 deductible if anything were to happen. IMO, If my motor for any odd reason were to go or anything like that, the $3500 i'd save at first wouldn't cover the expense for repair or replace.
So after I purchased my z, I purchased a carchex titanium package warranty, supposedly the best aftermarket warranty available. But when I went in for service I saw the Nissan Security plus Gold preferred package, so I sat with the salesman and ended up purchasing cause I figured i'd rather the one from Nissan that is accepted at every Nissan across the country.
The one from Nissan was about $3500 and the one from carchex was about $2900, but the price really isnt whats bothering me. I want the better coverage. So i called Carchex to cancel and was told that the Security plus Gold package was a lower warranty package then the titanium package from Carchex. The guy said the Security plus gold was an inclusion warranty vs theirs which was an exclusion warranty. And I kind of understand the difference but whats really better, I mean it seemed like the Security plus gold included most everything that i would worry about but the Carchex also only excludes mainly maintenance type parts. What do you guys think? Have you had experience with either good or bad? Which is better? I still have a couple days before the cancel in the first 30 days rule they have.
LMK Mahalos