I'm opting not to. With my Freestar van, I did buy it and never used it. And the Freestar was supposed to be the " worst car ever" if you read all the transmission complaints on the internet but mine never gave me a bit of trouble just years of service and the $$$ for the service plan went right into Fords pocket.
Now my Focus has never had a blip since the day it was new. I'm betting it will stay that way and I will pay for any repairs out of pocket. I'm starting with $1600 so we'll see how I do in a few years.