For me it was when I last bought a new car like 12 years ago when Chrysler was still doing lifetime extended warranties. It was like an extra 4k and a couple people said I was foolish for it, “just learn to fix it yourself blah blah blah”.
In the 12 years since, I’ve had an estimated $15k worth of work on it, to include a full transmission rebuild at a whopping out of pocket cost of just a couple hundred bucks (it’s like a $50 deductible each time or something).
I’ve gotten my money’s worth many times over IMO, and it even saved my ass during a long road trip once.
Ofc it was actually good, so Chrysler stopped doing new ones lmao
Bought a “gaming laptop” (needed it at the time. Not the best call in retrospect). Bought an extended warranty for 5 years, at it was fairly expensive.
Mere days after the manufacturer warranty ran out, one of the keyboard keys stopped working. I sent it in for repairs. They estimated 2 weeks, including shipping both ways.
Weeks later, they finally claimed they couldn’t find replacement parts (for a laptop less than 1 year old?) and refunded me the entire cost of the laptop. The warranty itself cost roughly ~20% of the laptop cost, so I figure I effectively “leased” a laptop for a year instead of buying it.
Hey, they also sent me back the HDD, which went on to serve for another few years in the desktop I built with the returned funds.