I've owned several new cars over the years and never gotten one; knock on wood have never had an issue where I would have needed to use one. Other's in my family and friends have purchased them and never used them. From what I've seen, any 'failures' covered by warranty happen in the first couple of years before the basic warranty expires. Again, this has been my experience through the years and, at this point, I have saved enough money by not purchasing them, that if something were to happen, I'd still be ahead of the game.
