If you have only one issue of any substance in a 7 year period you will wish you had paid 700 or 800 for an extended warranty. Years 4 to 7 is what the extended warranty covers, the years that would more likely find an issue if there is going to be one. Also , if you sell in years 4 to 7 the buyer will be more likely to pay a higher price for a bike still under factory warranty.