I'm probably the exception for it paying off but I bit on the extended warranty at the end of 4 years on my X739. At 4 1/2 years a coolant leak developed on what I thought was a head gasket but it ended up being on a manifold gasket. While it was torn down they noticed the coolant pump was leaking slightly so it needed to be replaced and/or resealed. I don't know what the total shop labor and parts would have been but it was probably more than what I paid for the 3 year zero deductable warranty and I still have 2 years left on it. Just the pick up and delivery would have cost around $250 if I didn't have the warranty.