Just opinion here... I typically don’t do extended warranties, maybe 2 or three times in my life; $2,500 60" plasma TV 5 years ago - not used yet, pressure washer from Northern tool - used it 4 times so far for 100% free replacement units...
All said, I did go with the extended warranty on our 2014 3895 - for $1,700 against the cost of the unit and thinking about just a few high cost items that could break it was really a no "brainer" - Fridge $3,400, hydraulic leveling jacks $1,500 each(x6), generator $5,000, 4 TV's $?,???, microwave, AC units, etc., etc., etc....
Hopefully never need it, but if we do it is there - as far as insurance goes, pretty affordable - I think this one was well worth the $$$
2014 Voltage 3895
2012 F350 DRW 4x4
2011, 2012, 2013, 2014 RMZ 250