"Is it not worth paying more for peace of mind?".Those words seem to ring something of a miracle, but at the end of the day, do you really have peace of mind. Yes if all goe's well, but no if all goe's the problem way, and the reliable fully recommended computer producer doesn't respond to your requests.
I purchased one of those titled Peace of Mind warranties, which added a further third of the price onto the computer system purchase.When things began to go wrong, I and many others were left in the wilderness.The only thing that saved the day was the Consumer Credit Act.
So going back on the original title, purchase from a recommended source who offers and gives a good support service,without the expensive telephone call centre premium charges. Make sure that you fully understand the warranty/guarantee, and pay by credit card or a computer finance deal, that is covered by the relevant Act.Then you should have peace of mind, and perhaps the bargain buy.