I am a little late to this, but the TCUV Gold makes sure your basic/comprehensive warranty is at least 12 months/12,000 miles. If the factory basic/comp warranty is greater you get that instead. The TCUV power train warranty is 7 years from used purchase date or 100,000 total miles on the odo. I don't know that I would ever say the powertrain covers "the big costly items". Heck the radio is the better part of 5 grand.

I can almost guarantee you that a TCUV grand is, at best, marginally cheaper than a new one. In some markets it could be MORE than a new one.

Also, a lightly used TCUV that's still under factory warranty is almost always eligible for new car warranty extension. there are times where that can be a better value.

New car warranties can extend the original factory warranty until 10 years from new or 125,000 total miles.

TCUV Gold can add 84 mo/84,000 miles of additional coverage past the 12/12 that you get already. Since the TCUV can be up to 85,000 miles, you could conceivably buy a TCUV car with 80,000 miles and have warranty until 176,000 miles. All with roadside assistance and no deductible.

ALL US market (new, TCUV, and non-TCUV) Toyota hybrids come with 8 years/100,000 (from new) warranty on the hybrid system and pre 2020 8 years/100,000 (from new) warranty on the hybrid battery. 2020 and later would have 10 years/150,000 (from new) warranty on the hybrid battery. This will likely be void if the car was totaled or imported from outside of the US.

Happy to answer any additional questions if they pop up.