didn't we have a similar discussion about the extended warranty, basically the same argument, life is short, if you have all your other got to fund items covered, and this is something you want I am not going to try and talk you out of it. Just weigh that out against what other toys you could get for 4K and base the choice on that. I understand enjoying the car they way you want it. I put rims on both my Acuras so I could use the stock for winter tires, you probably don't snow tires in California
Enjoy life, stay safe and based on other threads at least on this board I am an elder in age not care experience