I think you can find a number of threads on this topic with the search feature and or a Google search.
Pretty much, the Consumer Reports and Dave Ramsey theory is they do not pay for themselves over the long run. Some will tell us how well the plan worked for them but stats tell us those are not the norm. Self insure works better.
Your past history with the rig will also give you an idea of need. Do things break often?
2018 Jayco Greyhawk 29MVP
2019 Jeep Sahara Unlimited
2011 Cyclone 3010 Toy Hauler- Sold
2014 Chevy Silverado Duramax LML -Sold