It pays off if the RV you bought has a lot of problems with it... Or maybe one major one? Who knows? How good is your Crystal Ball?
But, who wants to have a POS RV so they get value out of the extended warranty?
Now, if it gives you peace of mind having it and you never have to use it, than great.. That's really the only reason you should really pay for an extended warranty IMO...
If all you want is to have more claims on your POS RV that ends up costing more than what you paid for the warranty than great...
See where I'm going with this?
It's your choice.. To quote some movie out there.. "May the odds be in your favor"... ;)
Good luck!
Mitch