When I bought my A7, I was quoted £120 per month for a warranty.Yeah I totally agree with what you are saying it was for a bit of peace of mind for me, but luckily it has worked out in my favour but granted it won’t for everyone
I kept the car for 4½ years.
I claimed for a Gearbox Repair (reconditioned Metronics Unit), after 4 weeks, on the original dealers free warranty.
Dealer price £7k. German Specialist £4k. Done at a Backstreet Gearbox Shop next to the Dealer for £1200, with a 24 month guarantee.
I find most problems show up in the early days. Fortunately for me!
Had I taken out the monthly warranty, I would have paid in excess of £6480.00 as it goes up with age.
Not much peace of mind when added up!