You have to weigh the cost for yourself, but when we purchased our Outback in Sept 2013, the dealer sold an extended type of warranty. We've never had to use any extended warranties,-ever, so we quit doing them on everything.
But when the dealer explained what it covered, he said something that made sense, that changed my mind this time.
Consider the electronics in your camper today, that did not exist 20 years ago, 10 years ago, even 5 years ago. The technology in your television alone far exceeds anything from days gone by. As does all the other electronic systems in your camper.
The cost of a new refrigerator will run $2500, in the event it fails after the initial 1 year warranty. How about the motors in the slide-outs and the cost to replace them.
Face it, the electronics in your new RV is far more sophisticated and advanced than anything before. Do you really want to pay the price for replacement if something failed after the initial warranty?
Like I said, we quit doing extended warranties, but after think about this a few minutes, we took the warranty and paid the price.
Yes, it IS a gamble. You are gambling you will need it and save you money. They are gambling you will not need it, and they make money! It is a crap-shoot to say the least, and only a risk you can live with yourself. No one can make this decision for you.