Then if you don't want to don't do it.
We are all different so I can only give you from my perspective.
I am so mechanically incompetent I turn ineptitude into an art form.
After 3 years my van was out of warranty. This gives me a sense of vulnerability exacerbated by my acute sense of mechanical incompetence. Even keeping it for a fourth year is a testament to the confidence I had in Albert. However bits start coming loose. Take the tambour door for example. For anyone else it is five minutes with a bit of tape. For me it is five minutes with a bit of tape followed by an order for £65 to the shop for a new door followed by a visit to SMG Cowfold for them to fit the new door and to repair the damage I have inflicted on the rest of the van.
So, I am out of warranty, feeling vulnerable and bits coming loose that are a 5 minute job to anyone else are seriously beginning to niggle me. Add into that the costs of ownership of my Cali has been about half of that of my previous second car so the P-Ex hit, to me, is less significant than it has been probably ever in my history of vehicle ownership. For me it all makes sense. I have just bought five years piece of mind and really happy that next time a tambour door starts coming apart I can just pop it into SMG Cowfold and say very nicely "Can you fix it under warranty please".
Obviously if for you it doesn't then don't do it but please, don't question me for I am after all entitled to spend my money how I wish