extended warranty options?
 

Just bought an 08 clubman yesterday. came from the opposite spectrum with 3 land rovers as last 3 cars. looking forward to triple the mileage.
dealer offered several extended coverage options:
5 years ding repair ~$600//
5 years leather guard ~$600//
5 years clear coat ~$600//
maint included to 72/100 $1295. this includes shoes, .... this didn't sound like a great deal as it only included maint items. I can't image at their service interval that would pay for itself. she said they buy that agreement for 1095 and sell for 1695 (her initial offer)//
and finally extended warranty to 72/100 $2695. said they buy this for 1995 and she would have probably gone to around $2295. said that if we do not make a claim on this extended warranty then the entire amount gets refunded at the end of the warranty (an interesting gamble). also said there was a one-time $100 deductible. I can picture myself at 70/95 K faced with a $2000 repair bill and eating it rather than loosing out on the refund. I don't like gambling on things like this because the MBAs that come up with the odds are smarter than me. I don't play the lottery either. I got a simple dealer 72/100 on my wife's new pilot in 06 for $750 -- good piece of mind.
Anyway, I really want a straight forward extended warranty (did I mention I have experience with leland vehicles). Can anyone give me some advice on how I can get an extended warranty, preferably dealer authorized repairs, which is straight forward?
thanks and hello to the club.

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