Indeed.I have the same sentiment, my father the last 20 - 25 years has always bought new with maintenance plan, which in some ways is a good insurance policy against expensive repairs. One issue he has had is when he has a major issue while on a trip, like when a power steering line ruptured on his 18 month old Mitsubishi Pajero in the middle of the Kruger National Park and he had to be towed to Nelspruit, wait for parts to be delivered, wait for the repair, get overnight accommodation and only then make his way back in to Kruger national Park.
At 100,000km give or take, those teething issues would have been ironed out. And at 100,000km & 5 years, the most would have been claimed from the maintenance plan possible, hence why I believe it to be the sweet spot.



