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StatDoc,
I think your ExtWarr is in the zip code of most that are out there, (without having read your deal's fine print.) It is something you could have bought further down the road, time & mileage wise, but prices on coverage by good companies, is Not going down over time.
Interesting how your dlr humped you "their" 3rd party brand as opposed to BeamER's official, expensive, CPO-like version, but you can be sure your Stlr made a few quid on your deal. But, your Stlr will be bound to honor it, though other dlrs may balk a bit, as they often do.
I would not wring my hands over it...you got it, it's peace of mind, it's paid for in "now $" and at "now pricing". I think the real life coverage and ease of doing transactions on actual repairs far outweighs saving a few bucks in shopping for the cheapest deal out there. I would not have regrets, if I were you ;>)
BR,md
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