[captswifty]

I bought a $3500 rear projection HDTV from Best Buy about three years ago. The service plan was $299, so I figured that it would be worth it at less than 10% of the cost. Two months ago, I had one of the color guns go out in the TV. A well-placed $20 bill to the technician got me three brand new color guns with a retail price of $275 each.

I think that most big ticket items are usually worth it, seeing that the service plan doesn't cost much compared to the retail price of the product, and the cost of repairing or replacement.

I once had a Best Buy cashier try to sell me a $9.99 service plan on an $8 pair of headphones. Didn't even phase her to ask me if I wanted to buy it.