Not sure. I usually never keep a vehicle longer than 3 years but I decided I am going to keep the raptor. This is all more or less a piece of mind purchase. I went with the PremiumCare for 7yrs/125 and the highest deductible, add the first day rental since this my only ride.
Now that I have added quite a few mods, I am not sure what is going to be covered if the dealer wants to be jerks about it. So if you are modding, be careful there when making a decision