Thanks for sharing these figures, is that with the Ziegler "payinfull" code?
On the pros & cons, I guess it's just economics. I'll likely go for the higher deductible. If a Trim piece loses its adhesive or clip and I have to pay $150 for a new piece and DIY install it at home, big deal. If a tailgate piece breaks, same thing...a couple hundred bucks and I'll do it myself.
But if a major component of the Diesel engine goes and it's $2500 - $5000 in repairs, I won't care about having to cough up $200 for it out of pocket. I assume the warranty is going to shine on those $1000+ parts like LED Headlights or some electronic gizmo that requires $2k in labor to take apart the entire dash.