I did buy Subaru's factory Gold level warranty with the 2019, a bumper to bumper 10 yr, 100,000 mi, $0 deductible one. First time I've ever bought an extended warranty of any kind. Vehicles these days are so complex that I don't expect to be able to fix most things under the shade tree anymore. The factory extended warranty has a list price, like the vehicle. Yes, if you know what the real low market price is, you can get that when the time comes during closing of the sale. I plopped that low price quote on the table; they went with it. Saved myself several hundred dollars. Those other sale closing warranties are also subject to negotiation. Do your homework before you close on the vehicle.