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Reliability and warranties
I've owned Mercedes, Porsches, BMW's, Volvos, and a very unreliable Audi 100LS. Modern cars have improved and their modular build is far more reliable above those from the 1990's and before (see JD Powers overall 3 year reliability stats - improved every year except recently) Mercedes and Porsche seem to have gone backward though, but no worries.
The expense is predictable and usually doesn't exceed the cost of any ill-advised aftermarket warranty (except perhaps something like Geico's monthly extra payment for coverage). I am easily $24,000 ahead now after not buying any aftermarket or other warranties. My tire/wheel warranty almost paid for itself on the previous car and now I am in the same boat without it on the current car: the warranties are for profit and you are betting against yourself if you take care of the car properly.
But if it keeps you up at night worrying, its better than nothing...
My $.02
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