Yeah, I'm the same way. I never get extended warranties. The VAST majority of the time, if electronics survives the first 30 days, it'll usually outlast most warranties.
A good example is just yesterday I purchased a new 50" TV because my tube Sony is dying. I clearly recall being offered a 5 year warranty for ~$300.00 when I got it, but it didn't start dying until after 10 years and that's the shortest life I've had on a Sony. So the vendor would have made $300.00 pure profit for absolutely nothing. Extended is just as much a gamble as none at all IMO.