Soon to be full timers but a question re: 6 speed gassers

"Ford is simply going to deny coverage and leave the ball in your hands--if you want to sue go ahead."

I've made the same point when people quote the M-M-W Act. For the individual consumer I don't see how the act is very helpful. What individual can afford the time and money required to take legal action against a company like Ford? The cost of a new engine, transmission would be chump change in comparison.