For me, the decision comes down to the item I am purchasing. So small time electronics, no, I dont buy the extended warranty. And same for computers, my IT guy said, in all likelihood, if something is going to go wrong, it will happen within the first year anyhow, and in that case, you are already covered.
But for anything major, like say a TV worth a couple of grand, or major household appliances, yes, I always buy them.
I live in the country, and it costs almost as much as the extended warranty to even get a guy out here, and that is upfront cost, before they even look at anything.
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