Take the money they want and put it in a special interest bank account and add to that account on a regular basis and you will have more than enough to be your own warranty company. There is a bunch of fine print on those purchased warranties and the company will find some way to not cover some of or all of what breaks on your rig. We have done this ever since our first purchase 15 years ago and have more money available for any of the problems we have had, including a new set of tires on each of the rigs we have owned. No out of pocket expenses yet.