I'm right at 3 years now with about 46k miles, so I'm seriously considering the 6 year 100k which should suit me just fine for the amount I drive.
Too many little gremlins for me to not consider extending the warranty.
I realize the service is easily done by independents, but doubt they'll provide a loaner and aren't located right on my way to/from work. And if the work isn't done right I have no problem going back to the dealer.
I have a couple more 1,000 miles to go and then I'll have to bite the bullet.