I assume this is moot at this point, but just my own personal take on stuff..
I very rarely opt for retailer coverage plans for consumer electronics unless the item is very expensive and either the manufacturer does not offer any sort of warranty or the manufacturer requires shipping the product oversees (this is why I got the Microcenter plan for the Auria monitor I bought a couple years ago). The main reasons why I rarely get these coverage plans are, in no particular order: most manufacturers offer a decent warranty in which case the retailer coverage plan would just save me some time, most modern electronics are actually pretty solid these days, and most coverage plans are voided by any tampering (ie, modifications).