^ ?? Then if you don't get the ESP, you still have the wait time and still have the rental cost. I don't see how that factors into the equation, only whether you want to pay for an *insurance* policy because you would have others do the work instead of DIY so you are gambling about that.
In the past I would have stated that an insurance polity like this is a waste of money for average owners unless they had their heart set on a known, especially problematic vehicle, but times are changing, vehicles getting more complex and that's really up to you to decide, how much to DIY whether you know how already or want to invest the time to tackle each problem as it comes along.
It just comes with the territory when buying a modern vehicle, let alone an SUV. More to go wrong, and the use case, # of miles per year, etc. It also depends on what alternate transportation options you have... except for these crazy times where any random component could be backordered, you really need a crystal ball.
Back to my original statement, I'd just decide based on how much you are willing to put in the time to DIY repairs. That's largely what this forum is about.
