Honestly, i say it simply comes down to how happy are you with stock power and how its delivered.
I personally was not overwhelmed by it. I loved the handling and many of the truck's attributes but the newness wore off quick and found myself really not enjoying the truck like I anticipated due to the stock power delivery. Living in a mountainous area, I felt the truck was always searching for the right gear whether in sport or normal unless i did it manually. Which I didn't want to HAVE to do all the time.
Since my stage 2 tune from goose and TCM, i couldn't imagine driving the truck without it! It's EXACTLY what it needed! I almost never utilize the shift paddles anymore. The power delivery, shifting, and overall drivability of the truck is PERFECT IMO! For me it was definately worth rolling the warranty dice.
And honestly, if ur not overly hard on ur truck and do proper maintenance, a good tune can actually help the truck more than be a risk!
BTW, I used CVF direct replacement IC to avoid the alterations needed for cobb or other FMIC and have no complaints. Unless someone was REALLY looking. They would never know it wasn't the stock IC.