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Good call, not buying the buyer protection plan.
These plans are incredibly profitable to the seller. It is a contractual bet; the dealer bets you will not make a claim, you bet you will make claims exceeding the cost of the plan.
Guess who wins the bet with rare exception?
Never bet against the house unless losing the majority of the time is a significant source of amusement for you in and of itself.
(Modern run-flats are readily repairable.)
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