Just bought a new 2019 TT after 16 years of owning my first brand new one.. Was offered the 7 yr extended warranty for $1500 on both units.. I declined at the time of signing the paperwork both times, but asked if I could buy later on and they said yes for up to 10 months after..
Figure I'll see what the first 6 or so months shows and go from there. (never would have used it on the old 2003 Prowler, as it's been a great rig.. Jury is still out on the 2019 Rockwood!)
But, in the end, it's up to you to determine what works best for YOU..
In the end, I'd rather have zero issues with any product I buy and if I did buy the extended warranty, and I had no issues, then at least I didn't have to deal with all the hassles of dealing with warranty issues!
The pay off is whatever you feel was worth the cost.. If you have a TON of issues and have to take the rig in every other day for warranty work, sure.. You got your monies worth on the warranty... But, in the end, you have a POS rig that you have to deal with all that warranty work with..
Or, you pay for the X warranty.. You never have to make a claim... Humm... Peace of mind over having to deal with a POS rig???
Your choice...
Good luck!
Mitch