stated care VS total care

:
06 LS MS6
07 BM GT (shell has been struck from the roll)
under the MEPP plans it seems the stated care would e the same as te bumper to bumper with the total care adding road hazard etc

but then I see this list of sensors under total care

Has anyone bought stated care, then had a mechanical part fail and be declined???
 
I have total care and don't have any issues with warranty, but haven't really had anything happen either.

But my dealer seems great, and doesn't seem to care about mods.
 

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