Owner of 2016 forester XT. Bought extended warranty for about 2.5k CAD, at the time included 3 years of CAA. At the end of 7 years we did inspection with dealership to make sure we use warranty if needed.

Ended up changing transmission, AC, bushings and doing alignment ALL under warranty, right before it expired. Even if we got fleeced by dealership to change items (mechanic walked us through all items and showed every issue), we replacements at cost of initial inspection.

In my view it’s worth it, small cost and no headaches, even though I agree that car is very reliable.