The decision of getting an extended warranty (Exw) is yours in the end. Here is my two cents. I'm on my second Kubota. My 1st one was a 2002 BX22, which I used a lot, year round...and I mean a lot...an did not have the Exw. I wish I had. I traded it in on my B2620, which I also use year round. I have the FEL, belly mower, BH, front mount SB and blade, and many 3-point attachments. I had a few issues prior to the 2 year mark, so I purchased the Exw. I'm glad I did because the following week a metal hydraulic line gave out (covered under Exw). Last winter I lost the ability to rotate the SB chute to the right (Michigan 13-14 winter). Something let loose inside for the "bucket" roll function. Both of these breakdowns were covered, and have more than compensated for the Exw. There is my 2 cents on the subject.