When I purchased my XC90 last week, they tried to sell me an FSM upgrade plan that costs $1,875. The plan includes the 40K and 50K scheduled maintenance, and extends the factory warranty an additional year (5 years/50,000 miles). It also covers wear items such as break pads, wiper blades, etc ... (tires are excluded). I told him I needed a few days to think about it, as it seemed kind of expensive. Is this something I should consider, or is it a total ripoff?