You don't mention the factory warranty or the cost of the CW extended, but my rule of thumb is never to buy one of these things. When they first came out, at least when I first encountered them, in the 70's, they were cheap. Now they are at least 10%, often more, on most things, less of a percentage but thousands on automobiles, where, of course, they usually wiggle out of paying for any problem you actually have. Think about it. Ten percent kick on everything you buy. How many things do you own that failed where you wish you had pruchased one? For me, only one things, constantly. And I DO buy warranties on them usually. Vacuum cleaners. So unless you are exceptionally unlucky with your pruchases, refusing them for a couple years saves enough money to enable you to repair or replace a failed item with just a portion of the $$ you've saved. I think it's a sucker's bet. Just my bias.