It is up to the individual to make a decison on extended warranties or putting money in an account every month. I personally had the GS warranty and am very pleased with it. My last visit and repairs was well over what I pay a year to maintain this warranty. I have yet to have any hassle with ESP in getting the repairs I have needed over the last several years. It would have cost me must more out of pocket if I had a "savings" repair account. My last bill was over $2,400.00 and I only paid my deductable, $250.00. Again we all have choices.