I’m kinda with Tony on this one. My experience has been that for the most part atv’s are pretty bullet proof. If your not using yours much at the moment and your worried that once you start using it some bugs may surface, then you’d need to look at the cost benefit. What’s the cost for extended warranty vs repair of bugs. Likely any issues will be minor in nature (a wire rubbing against something and shorting out) unless you absolutely abuse the machine, but then you had it coming.
For what it’s worth, my final thought is don’t bother with the extended warranty.