Im going to put my decision here, and the rest is up to you.
I eventually bought myself an '09 335i E92 DCT.
i did a load of research before purchasing, and knew that the Turbos have wastegate rattle issues. with a few other little nigglys, but nothing outrageous.
I followed that up with warranty research, including the Aftermarket plan through BMW.
the overall consenus was, that unless there is catastrophic damage/failure, the warranty will not pay out.
eg, the turbos were rattling, and even though BMW knew that was the weakpoint in the turbo assembly, they would not take that as an issue to warrant payout or repair, the turbo would physically have to fail before its warranted, then the max payout (at the time) would be R10 500, which is only a portion of the cost of the Turbos without labour.
The same principle applied to parts like clutches (shudder would not suffice as an issue, had to be complete failure), etc.
so my decision was to completely ignore the requirement for a warranty, and tackle the issues as and when required.
Ive owned the 335i now for over a year, and have replaced only Radiator, and done a full Turbo recon with new Wastegates. all of which i prepared myself for, and made provisions for.
there is enough help here on the Forum with the Fanatics, as well as outside sources ie: Youtube, other forums etc, to be able to bypass a warranty, and still be able to have things handled and completed the right way.
dont let Dealers bully you into taking a warranty as a "MUST HAVE". you dont have to take it.