I ultimately did it for the first time ever, but the fact that it’s $299 out of pocket for any repair made it a really close call. That means if you break it and need repair, you’re actually paying about $800 instead of the full cost of the repair (which is what, like $2,000?). So that’s $500 sunk cost to potentially save $1,200. Not the greatest deal. But I figured if I broke it, I’d be sad to pay $2,000, whereas paying $500 now only makes me annoyed, but not sad. Plus, I went monthly, which Even brings down the annoyance somehow.