re: Exactly how stupid am I: Car warranty edition.

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not at all. I understand the statistics dealing with parts failures. The set their warranty based on that. I would never buy an extended warranty for those types of items.

Now windshields and tires don't fail in the same way as other parts. I've personally replaced two windshields and have chips in two additional windshields over the last 2 years. I've also replaced 3 tires and patched others recently.

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Windshields and tires are much more individual dependent than other items, If you have been replacing that many I would have done it as well.

For example if your commute is on a two lane highway with lots of gravel driveways you will be replacing a lot more glass than someone navigating city streets only.