Okay - got the KO2's on order. I knew going in but to actually see the paper quote took my breath away. I'm used to paying $150/tire so $350 (plus more tax) is really hard to swallow.
Anyway, I usually never get tire protection insurance. But given I'm buying these tires to go into (semi) hazardous areas off pavement, should I get the tire protection - it's $45/tire. I don't think I would need it but then again I don't have any off pavement experience.
What do you guys usually do? Get it or pass on it? I'm usually going to be on easy to moderate-easy trails but rocks and wood are common.
I've put dozens of sets of tires on many vehicles over the years and I have never purchased the warranty. Two reasons - first I'd rather just spend the money to get a 5th tire and put that on if I get a flat. 99.9% of the time I'm likely to get a flat, I won't be able to drive to a tire shop to get it fixed, so I need a 5th tire regardless to get me off the trail and get home. Second reason - I rely on my tires to safely take me to some really remote places, so if the tire fails in my use case I'll put the spare on to get me home and then sell the tires and switch to another brand. Maybe I'm just lucky, but I've been wheeling for 2 decades now, and I've never had a tire failure on the trail. I've seen many failures on the trail for sure, but I've never had to put my own spare on my truck. I scratch my head when I see people say they've have 5+ failures in a single year - I simply don't understand how that's possible on a high quality modern tire, but I know it happens.
I've had everything from old school bias ply Super Swampers (had a flat on one of these actually on the road at 75mph whole 'nother story, but that was my fault because I was a broke college kid and bought them off a guy who stored them in the Phoenix sun for years and were totally dry rotted out), old MTRs, new MTRs, the original BFG AT, AT KO, AT KO2, BFG MT, Mickey Thompson Baja Claws, Mickey Thompson ATs, Toyo ATs, Nitto ATs, Nitto RGs, Duratracs, Michelen ATs, etc. etc. also in sizes ranging from little 30" tires to 37" tires. Sorry to be long winded, but my point is I've had a LOT of tires in a LOT of off road miles, and I've never needed a warranty. Imagine how much money I would have wasted over the years if I bought the warranty each time. My warranty is my spare tire, and that's my advice especially since it sounds like you're not going to be running your setup in what I'd consider a high risk environment.