I hate warranty conversations. I remember when dealing to purchase my mk6 GTI new, I first dealt with the loan rep. and we went back and forth for like 45 minutes to get the payment down to what I wanted. So I'm like, cool, we're all set and locked in. THEN they sent me to go into the office of the warranty reps. that push down the warranty hard on you. I remember sitting down and the guy is showing me all these plans that would increase my payment like 60+. I told the guy, listen, I just dealt with the last guy for 45 minutes to get my payment down to what I wanted and now you want to increase it? Put me down as declined for everything, thanks. Obviously he wasn't happy but dropped the pen down for me to sign that I waivered everything, lol.
Sure it was risky but I never had one issue that the warranty would of helped while I owned the car for 7 years.