Think of it this way. If the dealer is trying to sell it to you in the Finance office, there is a 90% chance that you don't need it. The only thing I got was the wear and tear warranty which covers worn tires and dents, scratches and windshield. If I get a crack in my windshield, that alone will pay for 3 of the warranties. I also can turn my X5 in with bald tires and they will replace them for no cost to me.

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2013 X5 Xdrive35i Premium
2013 F30 328i
2004 Mustang GT Very Modded...