Looking at buying an '09 R/T; has only 6,500 miles on it but only 15 months left on the original 3/36 warranty. As the second owner I lose the lifetime powertrain warranty. Has anyone had a decent experience with third party extended warranty providers? I've read many war stories about non-covered items, normal wear and tear issues, non-reimbursement for things that should be covered, etc. Any thoughts? Thanks in advance for the help.