I never buy any extras in the finance office. Back in 2008 in a moment of weakness I guess, I bought into a protection option. The dealer was a solid old company and was doing fine but the company that was the actual underwriter of the plan I purchased went under. So I got a letter in the mail from the dealership telling me that they were very sorry but I no longer had that particular package for which I had already paid.Biggest problem with any of these dealer offers (other than the price) is that if they go under, you're screwed.
Now I'm back to stonewalling the finance guy like I always did before.