I personally like the self insure + DIY route. For the 3 year warranty for $3500, I'd rather sock $100 away into a money market account and tap into it if you ever have a serious repair bill. For the most part, the things that will crop up are annoying but not terribly expensive to DIY. Brakes every couple of years for ~$400, an occassional CV (I do the whole joint for ~$110), window regulators, FSR, regular PM, etc. If something like a transmission or another big ticket item comes up, pay it from the reserve fund you've been contributing, and if that failure never happens before you get rid of it, you have an extra couple of grand in your account. Of course the discipline to set it up and stick with it is the hard part
