I bought a $1,400 EZ-Care warranty (good but there are better) when I bought the RV. When it ran out they had paid out over $12,000 for repairs (the big one was replacing the refer). I used their money to renew the contract ($1,600) last year when it ran out. So far they have paid $1,100 to replace the motor on my hydraulic system (basically a 12V starter motor which Lippert sells for $790!!!!). The rig is in the shop now to repair/replace a leaking jack, fix a bad grey tank valve and repair a door strut. I figure I will be ahead of the game (again) with years to go.
Given the crappy construction, inferior materials, and bad roads we drive over I am willing to roll the dice. Plus it is getting where I can't (and don't want to) wrench on these beast any longer.