I think it's waste of money. If the car itself is generally reliable, then major component won't fail in that time frame. Changing wearable items like tires, brakes, and oil changes should be all that should be needed and keep the money in the bank. If you can do some of maintenance DIY, then more money in the bank. If there is history of certain major failure (Consumer Report should give you some idea), then take the warranty offer.
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