Going against the grain of this thread a bit, but I DID get one. I went with GoodSam, 7 year Gold + Tires w/ the option to pay in yearly installments. I use a Amex Preferred Blue card for 90% of my monthly purchases, so I save the cash rebate all year long. Most of the time I can pay off the GoodSam installment w/ the rebate I've accumulated all year.
I suppose the value also depends on the complexity of the RV. I'm covering a Greyhawk; so between the chassis, hydraulic levelers, auto step, 2 slideouts, onboard genny, etc., there is a lot going on in there.
Helps me sleep at night knowing I've got some coverage; and by gobbling up my rebate the cost never hits my bottom line.
2015 Greyhawk 29MV