Are after market warranties worth it ?

I have bought 2 times an extended warranty at a total cost 0f $11,800. I still have 3 1/2 years left on the second. I have used it several times and because of how parts and reliable service are today my savings was $ 12,700. The total cost for everything was $24,500. So, you can see I have saved a lot of money over what I paid for the warranty coverage. The expense today of parts and service will only continue to cost more. Why spend all this money on a RV and not protect yourself from the possible future expense you may have. Why do people have health insurance...... for just in case. Remember it's your choice, so whatever happens down the road will be based on that choice you make. Also shop around for insurance and you will see it may not be all that expensive.