Thank you for taking the time to really lay it all out on the table (without making the decision for me). After giving it much thought I've decided not to buy the warranty. :yup: I understand that it's a gamble either way, but I do have the discipline to put the money in an account and leave it there in case I need it. Hopefully I won't need it, but knowing it's there will give me the peace of mind that spending that same money on the warranty would have (but the money is still mine). Funding my next down payment with that cash if I don't have to spend it works for me, too. The only problem I've had is the PTU and after three tries the dealer replaced the whole thing. That was over 10K miles ago and all has been fine since. I don't drive like an 18 year old guy and I'm faithful about taking it in for service when it's due. Thanks again!