Welcome and congrats on the new U Force. I don't own one but it's been my experience that when I've shelled-out the extra coin for extra coverage...it was always a complete waste of money. My gut says: If you are an extreme rider..or one doesn't take care of his machine or one that puts 2,000 or more miles per year on his ride, then it's likely worth it. But if you are an average rider, riding average trails and you don't abuse your machine and ride in the 1,500 mile and less per year range, I think I would take my chances and take care of things as they came up...if they came up. JMO.