For parts that are not easily taken off, I would for sure get aftermarket coverage. I didn't have, want or need it when my 03 Ram got totaled. I took it out of the wrecker yard to a private/fenced location and took about 6 hours to pull every single thing off that I put on it. Spending a few hours doing that was worth paying the extra 30 a month or more they wanted for aftermarket coverage. Now had it had a whole lot more stuff, I probably would have gotten the coverage. And I probably still would have taken off what I could've.