First, sorry for the long post:
I've got a 2003 Ram 1500 4x4 Hemi and have put 243,000 miles one it. I have had all the fluids changed at their normal interval. This means oil, transmission, transfer case, differentials, and including radiator flush, fuel filter, and a/c regen. My truck has not seen the shop for anything other than a service since I got it new except for brakes and/or tires. It is bagged (Firestone LoadRite) and I have pulled a 24 foot enclosed trailer between VA, Florida, and Louisiana for most of those miles. Before that I owned another 2003 Ram 1500 4x4 Magnum, and two 2005 Ram 1500 4x4 Hemis. Sold them all just before 100K miles. Currently, I also have a 2006 5.9L Cummins 4x4 Mega Cab DRW with 62,000 miles on it. It is my workhorse. I also use it to pull our Sundance 3000RK and it has been all over the southern states between Florida to Louisiana to Virginia and back. The only mods are a 4" exhaust, 100gal auxiliary tank from RDS, and the 5th wheel slider. Same thing with this one, I follow the recommended service interval. I rotate between the Chrysler/Dodge dealer, and don’t laugh…Valvoline, Midas, and Jiffy Lube. Never had a problem with any of them. Depends on where I am when it’s time for a service. Even had it done at a Pilot Truck stop.
Anyway, none of them ever had the ESP except this 5.9L Cummins. Why? One, it's my absolute baby. It has given me the best drive for the money I have ever spent. Second, for no other reason than piece-of-mind. If something goes wrong somewhere, I don't want to have to spend more than my deductable. For me, everything on those 1/2 tons is replaceable and something I can do myself or get help with. Those diesels are something different. I'd rather have a specialist (preferably from Cummins and not a Dodge dealer) take care of it if there ever was an engine issue. That would cost a lot of money. My gut tells me that I will never get a cent out of that ESP because I have never had an issue with any other vehicle that I have ever owned. But, for me, this was that one special time that I simply wanted piece-of-mind. That alone was worth the money for me.
BTW, it does not matter who you buy your plan from, just make sure they cover everything you want it to and make sure you read the fine print. There are a lot of really bad one’s out there, so do your research. If you can get the one from Chrysler/Dodge, go with that one.