Typically, I try to self-insure unless I can determine the price of the warranty is less than 10% of the cost of the product, then I'll consider it. I am lost at justifying $4,500 for a 4th year and $8,700 for I'm assuming a 4th and 5th year (or is that added to the cost of the 4th and only works for the 5th?). Did anyone purchase one of these warranty options and if so, how did you look at the cost to justify it? Thanks!!!