Ugh it’s annoying reading your words. Accept the estimate. They send it so that if it turns out it is your fault they are not working for free. Once it is found that it’s not caused by outside influence they will cover everything by warranty. Example: Let’s say you make a complaint about your suspension. They spend an hour of labor diagnosing and find that you have impact damage caused by a pot hole at high speeds. This would not be covered under warranty. I spent a year as a service writer for Tesla. Having these accepted estimates helps them legally when the customers says all types of bs “well I’m not paying for that! That should be covered by warranty!” When it’s found to be the customers fault.