I did a lot of D&D on Xwarranties and came to the conclusion WD had the best legal descriptions of covered events. "Wear and tear" is a major factor. Plus I checked with BBB and they do have a good track record in all 50 states. Meaning they do stand behind their contracts- which is what you want. Why else would any of us spend $2G+ for X coverage.
I got mine for peace of mind, even though my 99 only has 9600 miles. Sounds like you got a great price/term/milage quote.
As for DIY, I do believe it states YOU have the control over what form of repair to use. If aomething major blows, be