If you can't fix diddly buy one. Dealers up price to make more profit. So far I saved $11k not having one. 4 minor cost issues in the first year, spent $74.
Read fine print on contract , deductibles, time spent (wasted) getting fixed, aggravations, driving & fuel to repair facility, usually twice.
2015 Fleetwood Discovery 40E on a Freightliner XCS chassis with a Cummins ISL9 pulling 1 and/or 2 motorcycles, '07 Honda Accord OR a 17' Runabout Boat.