There is a lesson here for all, especially when purchasing expensive gear. Expensive is a relative term with a value that varies per individual and can’t be generalized, the stuff being said here applies to all values of items. It comes down to how much value the item has to you and whether you are willing to risk that value versus the warranty programs being offered. Obviously the bigger the expense, the higher the risk.
I usually always buy my all of my camera gear right here in the US of A, because that is where I live and I like to go buy the expensive stuff in person at a Hunts Photo and Video store to make sure it arrives safely.