Suggestions on buying an extended service plan?

No service plan/extended warranty is going to cover all the things you listed.

Take the thousand or two or three they are trying to milk you for and put it in the bank. Then if something happens you have the money.

Theft is not covered by a service plan.
Damage you cause is not covered by a service plan.
Some plans may cover towing but probably very few.
Food and Hotel? - very unlikely.

You are talking four different policies to cover the things you mentioned.