The CPO warranty is 'good', but it is not nearly as comprehensive as the orig warranty; just be aware. You do have ~9k miles left on orig warranty.
The 'maintenance' extension may cover another set of brakes/pads and an oil change or two, if you drive enough between now and < 3 yrs from now.
But, it tends to be pricey.
No clue on the finance angle for that, other than it reads like they will jack your rate if you take the 'maintenance', which they
have actuaried to a T, imo.
You might squeeze in a set of pads/rotors under existing oe warranty and maintenance...
'Reliabilty': you may/will get a dozen replies, some say great, some say so-so...
Search Tab upper right corner of page is your friend, for some reading on any topic, eg:
Xoutpost.com - Search Results
My 50Cts...
GL, mD