The NPV of paying $4-$5k in a 5perc risk free rate for a few years of “oh sugar” warranty insurance is pretty high - why wouldn’t you self insure. I don’t the break even is anywhere close to what you think it is.
Will be interesting to see who is at fault if one of these fails givem Rivian has been pretty explicit to use third party adapters.
I don’t want to be a wet blanket but it won’t be your warranty and may not be your insurance liable.
What country did you ship your car too?
separate the comments about complaining on lack of streaming when you go off the grid….perhaps I have a different definition of what off the grid means…