I have been a member of HTF for a few years but haven't posted here in quite a while. I recently got a job with a major retailer that includes optional service plans with the products we sell. I basically have a few questions about them: Do you buy them? (Why or why not) Are you happy with it? Also if you did buy, what store did you buy it from? Were there things that the salesperson said they would cover, that are in fact not covered?