I sell ESPs day in day out at my job. I dont even feel bad about it. Though I will note that only ESPs and accidental plans on Laptops/Desktops and digital cameras are worth the money (also the most expensive ones!) simply because they are more prone to breaking within 2-3 years. On our accidental plans they replace the item outright if its broken. Normal service plans cover them for electrical/mechanical defect/breakdown as well as surge protection and wear and tear. Personally though I would never buy an ESP simply because I can fix about anything, especially if it was expensive (cars/computers are both natural to me). Also, one more thing, Leasing anything is a terrible idea, especially a car. The only one who wins in that situation is the dealer. You get to pay for all repairs, insurance, have to follow their rules about how many miles you can drive, cant modify the car, and in the end you have to give it back and have nothing to show for it.