Yeah, I really like the warranty from the store I've used in the past.
They call it IPR (instant product replacement).

Sure it is insurance, which means you're paying for what you're getting -- and most people won't need it... but it's very nice to have if you do need it.

Their plan is basically a part goes or whatever.
You get a brand new same piece, or if they don't have the same item then a superior piece in the same line.

Conversely, the insurance is a few percent of the price of whatever... and putting a system together yourself is always cheaper than having a company do it for you.