Exactly how stupid am I: Car warranty edition.

Got a new car this week. Was given the whole extended warranty speech in finance department. Immediately turned everything down. Until they brought up a glass and tire/wheel package. I'm an engineer and specifically remember teachers explaining failure statistics and how they are used to determine car warranties and how they aren't worth it. But glass cracks and flat tire aren't exactly the same as bearings going out. I take good care of my car, but in the last 2 years I've replaced 2 windshields and both vehicles had chips in the current windshields. I've also had 4 flats/nails in tire over the last 6 months. It's been very annoying. I spend a lot of time on Houston interstates, so I know it's something that's likely to happen. The windshield replacement is very high on this car and the tires and rims will be more than I'm used to as well. This added about 20 bucks a month to my note. I feel like an idiot for falling for it, but do like the piece of mine that for 5 years, I get OEM glass for free (no deductible) if there's even just a chip, and a brand new tire (no patch or plug) if there's a nail.

I know I can pay a deductible though insurance, but do not like filing claims and have heard stories of not covering OEM glass. Plus they wouldn't cover tires and wheel scuffs/damage.