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It's a gamble whichever way you go.
Is it possible to buy a warranty in 3 years rather than now?
Thoughts are if the car is troublefree then perhaps gamble to not get one. If the car has issues over the 3 years then it might be Worthing buying a warranty at that point- ir get rid of car.
Or you could simply not buy a warranty and effects self insure yourself
No right answer here obviously it depends upon your attitude to risk.
Personally I don't buy any extended warranty based upon my previous 2 BMW's being fine .
Whilst I have probably not answered your question , maybe it given you something to think over.
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