This situation is very similar to how home insurance companies handle problems. For instance, I had a plastic water line which leads to the icemaker in my fridge fail (small crack) and flood my kitchen and basement over a period of 8 hours. Damage to my home was $40k to repair. Turns out plastic lines are prone to this failure and copper lines are recommended but not mandatory by building codes. My insurance company paid for the damage.
However, when I go to replace the 1/4" water line the insurance company warns me that replacing the plastic line with copper is ON MY DIME because it is not required by code so they will not pay for the additional cost ($25!!!). Goodwill issues aside, I believe they simply weigh the cost of catastrophic damage in some cases against the cost of preventative measures and decide to take the risk...
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2005 X5 4.4 (Sterling on Truffle) w/sport everything
2011 Audi S4 (Prestige, DSG)
2012 Audi Q7 (Sport, S-Line)
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