Couple of my thoughts---what is the single highest cost a breakdown could be with your unit? How bad would it hurt your economic situation?
Then, how good does the warranty company back its claim payment? Do they try to make good, or try to 'fine print' their way out of paying? Search internet for reviews on any particular company.
Across the board, I seem to hear/read that Wholesale Warranty company takes care of the client best. Also, if you opt to get one, be sure it is an 'exclusionary' one that states what is NOT covered, thus most everything else is. An 'inclusionary' policy states ONLY what is covered, and thus nothing else is. Check for if it pays is an non-covered part causes a covered part to fail, is that covered? Called Consequential Damages clause.
Many opt to place the cost of the policy in a bank account and add to it monthly, thus building an amount to cover a breakdown.
The more costly the unit, the more technology, the more the cost will be to fix...
2015 38RSSA #7382
2005 TK3 #1869, 10 yrs of memories
2017 F450 KR--one more Ford is it
2009 F450 4x4-died; 2010 F450-retired