Truthfully I don't think many on this forum keep their trucks long enough to ever need the extended warranty. Funny how everyone boost about the power and longevity of the Cummins, but very few keep them long enough to ever benefit from it????
On the warrant issue, I would keep the papers on it, but not pay for it right away. You can take the coverage out at any time before the original warranty expires, so whats the hurry? I would see how things go, if you decide to keep the truck, and if you think there might be a need for the extra coverage later on, then go for it, no sense spending the money now.