In regard to value and peace of mind...
Before ordering my 2013 HyTi Ford Fusion from a dealer in Long Island, I visited one in Brooklyn, NY.
I was going to scope out the colors, and the sales dept. folks were too lazy to walk me over to the service department's roof, where a lot of the inventory was maintained.
Turned out to be my gain, because I had the chance to get the grand tour from the service manager, who was more than happy to share his more than 30 years of experience with me. He wasn't doing a sales job, and actually outright told me some of the "don't buys" when looking at Ford Vehicles.
However, he did advise me to go for the highest level ESP plan.
What most people don't realize is that modern cars are 4,000 lb. computers. For example, when you turn the steering wheel, you're not actually turning the wheel. It's more like using a joystick on a video game... You're not directly controlling what you are doing. Computers are translating your motion into electronic information that really turns the wheels. In fact, car companies actually have to install resistors because the steering wheel would move too easily without them.
So what does all this mean?
Basically the service guy told me all that and then said in the event that drive shaft needed to be changed or replaced, it would be an $11,000 proposition.
That sold me on the ESP, 1-2-3. LOL