I don't know if my original post was misleading but the first two laptops were around $1,000 a piece and I did not have warranties for either of those. Both would've cost around $800 to repair.
The first was a moot point, because that was user induced damage. But the second one was a hardware failure that occurred at 13.5 months after I bought it, barely outliving the "natural" warranty. Had I had the extended warranty, my cost for repair would've been $150 not $800 (or being that I replaced it with a new machine $400.) A hard drive is one thing, but a logic board a totallly different thing. I checked on eBay and the logic board was $350 (at least) not counting labor since I don't have the know how to install it.
People like you act like everyone should know how to repair electronics like they're a bathroom towel rack that came loose.
Of course stores offer it because they make a profit. I think $150 for 3 year protection plan (arguably the reliable life of a computer) is not a "ripoff" at 13 cents/day. Especially from my experience where a major hardware repair can have you looking at an $800 bill. Keep in mind that a single incident is likely going to be around $120 for diagnostic and labor. No parts.
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