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Quick follow up: my personal decision was to purchase the Platinum Warranty for 7 years / 100K (including coverage of my Dinan participation).
I was given 12 months financing at 0%.
My 550i is respectably optioned. Setting aside the major mechanical parts, I felt there was still too much that COULD go wrong not to be protected. I already had a few seat motor, window shade, and other small / simple,yet costly things repaired.
The peace of mind, as a few have mentioned, was worth it for me. I have great service and tech relationships at the dealers I patron, and for my money I expect to be worry free and serviced at a high level from them.
The final contributing factor was that I love my car. I plan on keeping it for most if not all of this extended warranty period. The warranty is also transferable and/ or refunded at a prorated rate if not used.
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