I'm on the fence with this. It adds $119.90 onto the cost, which isn't a deal breaker but I like to save money where I can. The CM said there's still time to drop it but he went to describe various scenarios in which we might need it. I'm an easy sell so I kept it. I'm just curious if anyone has had to use it and if so, did it really cover as much as the CM's say it does? They really seem to push it!! Sorry if this is the wrong board for this topic.