We bought an extended warranty on ours beacause it has so much "stuff" than can cause problems and be expensive to repair. Ours is loaded, and repairing the side by side frig or a heat pump can get very pricey. Like John said though, You're betting it will break, they're betting it won't. Just a gamble either way. I would negotiate to get the best price, we did, and it dropped the cost quite a bit. Just like buying an RV, forget the sticker or asking price, counter-offer!