8 years is a looong time. If you truly intend to keep the vehicle that long and it will take you about that amount of time to accumulate 125K, that warranty could be helpful. You know as well as anyone, one A/C repair could be $1500+ Problem is, if you decide to sell the truck in 4,5,6 years and haven't used the warranty, you'll get a prorated refund amount that's going to be a fraction of the $3K. I'd personally shop for aftermarket warranty that the shops you would use, don't mind using. Probably save a grand or $1500.