Well folks, the title says it all here. I'll hopefully be making this big TV purchase soon and would like to know about these two protection plans and if anyone here has experience with them. Last time I bought a set (Vizio M-50), I bought from WalMart and purchased a 2-year protection plan. Never needed it for this TV but it would have saved me a good $800 when my Vizio M49 went kaput 13 months after it was purchased. No plan on that one. And for this coming Vizio P75 purchase, a protection plan seems to make sense. I have a pretty good idea on what is covered by each plan (power surge damage, cracked screen, etc) but a detailed explanation (difficult to get at times) would be helpful. All input welcome.