Last Feb I went to Best Buy and bought a Router..  Then I got to looking at the cameras.....    I have kicked around getting one for quite awhile even though I usually use the dig cam corder and just capture the images in the computer.  I just wanted something smaller.   I did some research through Consumer Reports and places on the web. 
So,  I talked myself into it, picked one out and was standing there with my Visa Card in hand.   The sales clerk went into all the other stuff I needed...   I said "No Thanks"  just the camera..... After a few more of the "No Thanks" we got to the extended warranty....   "NO THANKS" Just the camera.   
 " Sir,  you get all these cleanings with the warranty"....  Ya Right!  "And,  if you have to bring it in for repair 3 times you get your money back".     "Mam, If I have to bring it in for repair more than 1 time I am going to get my money back.....   To me,  that says you sold me a lemon and you can't fix it.   No Thanks,  just the camera"
"Sir,  I am just trying to help you save money in the long run".
She DID,  I walked out of the store without the Camera.....