I never buy the warranty, unless I spend over $2000. I like to shop there because its the only electronics store close by, and I get 2x reward points for shopping there.
I just wait for the sale, the extra points is whatever to me, if the sales suck, I don't bother.
Couple of hundreds, I still buy warranty because it's cheaper if the items is cheap.
My Samsung Galaxy 3 fail so they gave me the full purchase price for the phone because I refuse to get the refurnished phone in replacement.
In store credit but I got all my payment for the phone back, which I plan to use it to buy the laptop with this November.
The ipad will be separate cash.
I got to use the phone and now get a laptop for it later, not a bad deal.