$20 for four years I thought was a no brainer. $5 a year sounds like a cheap way to cover the product for four years. Plus it can be transferred to a new owner. So if a new Mini model appears in that time period, I will be able to transfer the extended warranty to the new owner when I sell the Minis. I see no difference in getting an extended warranty on a $2k item or a $100 item. The extended warranty costs more anyway as the item price increases.