Peace bro......but this sounds almost verbatim to the dealership finance manager spill. LOL. Politely told him thanks, but no thanks. Livin’ on the edge........still prefer the jingle in my pocket. YMMV.I get your point, but "major components" now days in these modern vehicles is much more than the powertrain. The powertrain is actually one of the more reliable aspects of vehicles these days. It's all the secondary systems, particularly electronic systems where the risk lays.
Owners considering which way to go on this.. extended warranty, or self-underwriting..... need to understand what is and what is not covered by any warranty beyond the 3/36 bumper to bumper warranty. There is a truck ton of costly systems NOT covered by the powertrain warranty. In the old days, the do-it-yourself owner could buy pretty simple and low cost parts to fix a failure on their own. Those days are gone though with these modern vehicles.
I will say that for the low end trim (LX) there is less risk involved. But take the Touring trim for example... which a good number of us own... even a simple headlight failure is over a thousand dollars, because the LED headlight assembly is pretty much a single FRU + labor... no real ability to do spot repairs. Even do it yourself.. on this headlight... still going to cost north of 800 dollars just for the FRU.