Does anyone have any experience with Extended Warranties that they purchased separate from the product? For example, I've been shopping round for a 40" LCD TV. Places on the web, and the brick and mortar stores, have 4 year extended warranties that range anywhere from about $350 to over $600! Talk about markup! So I found a place online that offers (almost identical to some of the web stores) extended warranties that you can purchase and apply to a TV purchased somewhere else. They offer a 4-year, in-home warranty for $240! Sounds like a deal to me. But...is this legit? Does anyone have any experience with one of these "stand-alone" extended warranties? Inquiring mind wants to know... Thanks for the help, Brandon (I'll send you the web site if you want to know).