We bought a extended warranty from Phoenix American, we have saved $12,000 or more over the cost of the warranty, we have never had a problem getting anything covered and we have never had a major problem such as trany or engine go out on our pusher, which would also be covered by Phoenix American.
We had a slide motor go out just last week and had it replaced and it did not cost us a dime. I saw the bill and it was $1,676 total, parts and labor.
Unless you are a gambler, not getting an extended warranty could be a $30,000 or more gamble, you have a house on wheels and things are going to go wrong. It is not a matter of if something is going to brake it is when it is going to brake.