I tend to agree, but a buddy of mine recently bought his daughter a used Porsche Cayenne. Something broke in the AC "plumbing", and it was buried in the dash. To get to it, they had to remove the dash, and to do that they had to remove the windshield, and Porsche won't reinstall a used windshield, so they had to order a new one...from Germany. His final bill was north of $18,000 and all he paid was the $100 deductible and his extended warranty covered the rest.
Auto repair shops have been covered, but a very specific type of fuckery happens with shops that are close to big college campuses. The assumption is that mom & dad are hours away and won't put up much of a fight. My daughter was having overheating issues on her car, so I checked yelp and sent her to a highly rated place in College Station. I knew when they called me and spent 10 minutes telling me about their warranty and "quality" parts that I was about to get a fucking, but even with all that I was shocked to get a $2,800 quote to replace a part I found brand new online for $260. I ended up buying the part in Georgetown and driving to College Station and doing it myself in her apartment parking lot in 15 minutes.