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The rust proofing on my truck(ten years of free touch ups as often as I want) just more then paid for its self, spotted some rusting below my left rear window. Had the company check it out, basically said "Yup it's rust." an two weeks later sent me an apporval notice for $495.00 to have the body work done, no charge.
As far as the Extended Warranty , I've never had it figured into my payments. Pay cash for it if you can, no sence in making your payments any higher/ sorry same thing goes for the under coating, pay cash for that as well if you can afford it.
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