You have other considerations. The cost of the 22 extended warranty at time of purchase ($2000) loses compound interest for 3yr/36k miles (OEM warranty period) before it goes into the time period it will pay anything back. (What would $2k be if you put it into tax free roth retirement after 15-40 years?). Insurance of course is expensive only if you do not ever need to use it?get the extended - it's probably about 2400 since the beginning of month cost increase, with the price of the mav going up every year trading it in at 60K = the difference is far more than just getting the extended. On my '22 that I paid 21K for, i got the extended for $2K, if i was trying to replace it today it would be 30K.
Consider:
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