SPEAKING FROM EXPERIENCE!. I opted for the extended warranty and worked it into the deal so got a good price IMO.
YOU NEED TO REALLY GET TO KNOW THE SERVICE DEPT GUYS AND SERVICE WRITE UP PEOPLE.
Stop in and say hey even when nothings wrong. IVe modded the HELL out of mine including putting 17,000 miles on it the first season. (wasnt trying too).
Ive gotten to know everyone good enuff now that I just ride right into the back doors and get odd n ends stuff done by the techs by passing the service dept people. When my hindle headers banged into my oil cooler rupturing the oil cooler line (OBVIOUS NON WARRANTEE PROBLEM) they wrote it up as such and got it covered. Same thing when I hit the bird and it punctured the radiator. I didnt know it at the time, I just happened to stop into the suz shop to say hey and came out seeing fluids. Rode it around the side and into the shop. They tossed me some tools and I took apart the fairings. They wrote it up as such and overnited me a radiator I helped put it in under warrantee.
So for me it was well worth it. If you have moorons and/or jerks that might make the difference on what shop you get it at!
If you change your own oil/plugs etc. Make sure you buy the stuff from them under "your name" so you have proof the required services are being completed. It's been good enuff to get things covered.
Same shop took care of rhythm too!.
Know your shop basically will help you decide.
JD