I spent a bit over 6K in service and parts for my 2015 Ram after it hit 90K on the clock. No extended warranty.
If I had it to do again, I'd do it differently, and I did.
I did it simply because of two things. The turbo and amount of electronic parts (computer related) that weren't in vehicles not too many years back.
Yep, I fully understand that it's a bet/wager/crapshoot.
Going without is the very same bet/wager/crapshoot.
It's an individual's comfort choice...
Flood Ford or Granger Ford. No one else comes close, hands down.
At Flood's site you can pull a quote to take to your dealer.
You want Premium Care.
https://www.floodfordesp.com/
I hate to break this to you, but those sorts of warranties run rampant amongst the shadiest and most crooked dealers who are generally the worst of the lot. These are literally the people Ford wants gone. Good luck and go buy a real Ford extended warranty.
You're gonna need it.