!!! [should have a 4 year 'life span'] !!
I am too often wrong, but while a 1 year limited warranty is usual, any longer is I think a matter for the retailer's policy at the point of sale.
In a sideways look, the cost of extra cover is often an indication of the likelihood of having to honour an extended warranty.
A tower PC is one thing, a laptop quite another. It is designed for miniature size components and low battery drain.
As to whether to pay the premium or risk going bare...... that is your decision.