I have a 2001 4.4 and my alternator went 1st week. ($1100)
About a month later had to replace rotors and pads. ($1600)
5 months after that tranny rebuild (112000 kms)by independant cause
I couldnt afford dealer to do it. ($5200)
And a week and a half ago there was flooding in my city and to get to my house I had to drive through standing water about 2-3 feet deep. Ever since I drove through the tranny goes into FailSafe every other day.

Count your blessings, your covered.
I am not.

But I will continue dumping money into my X because it is a dream to drive. Good luck