[RickFLM4]

It's not just the system failure but the labor involved in a diagnosis and fixes that sometimes precede the failure. If you don't have a warranty you could end up spending thousands trying other approaches to resolve symptoms before the catastrophic failure occurs and then still be left with the catastrophic failure.

Anyone buying a warranty clearly needs to review terms and conditions. Any warranty that excludes a catastrophic engine or transmission failure (minus deductible, if applicable) isn't worth buying.