What have your experiences been with warranty service/claims? I am wondering whether it is better to go with the manufacturer recommended warranty or to buy a reputable third party policy. I know that Toshiba's recommended warranty provider (National Warranty Corporation) runs about $419.95 for 4 years of coverage. I talked to Hitachi's recommended warranty provider (Satisfusion) and a 4 year warranty costs $499. I looked for a reputable 3rd party provider and found that a 4 year Philips warranty can be had for about $300 (depending on the cost of the TV). Has anyone had any good/bad experiences with manufacturer and/or 3rd party warranties?