All valid points. But repair affordability, yeah, if most people have their vehicles paid off between 60 and 100K miles, it's likely you can afford whatever comes up after because the payments on CX-5s run between $300-600 per month. So even an exceptionally bad year with $2K repairs should still have you ahead on your budget. Until such time, warranties aren't a terrible idea through the life of the loan.
My loan is for 72 months, so I'll definitely consider my options after 36. And be especially leary of loaded models, because there are more bells and whistles that can fail or throw trouble codes. A B2B warranty on a Sport may not be as useful as on a GT. Mine was just registering a blind spot object with nothing there. And I'm at mile 100. A thin coating of road salt? Maybe. Worried? Not yet. Also depends on how important peace of mind is to you.
The B2B the dealer offered me was an extra $25 a month. I didn't get it, but it's not exceptionally unreasonable considering I'm paying almost $500 (after even trade and no money down). It all depends on what your current budget calls for. If I wasn't paying $1500 a month to my ex-wife, I would've bought the longer B2B warranty and never thought twice. Or I may have bought a $40+K SUV. Heh.
