My first new car (a 97 dakota) was purchased with my employee discount. They wanted to sell me extended warranty coverage - until they learned I was a line engineer at Chrysler.
I do all my own work on my own cars. Honestly, I've never broken anything while it was still in warranty. Actually, I haven't much hurt my cars at all. Except the one that burned to the ground, and the one that dropped two valves when I down-shifted on an on ramp. Oh, and the one that I rear-ended a F-350 with. That and the time....