It's an important question, especially for those who just shelled out a grand for an LCD television set or a really expensive DSLR. Well, you should only buy it if you are not tech savy, clumsy, or are putting the item through heavy use (such as laptops, kitchen stoves, etc.). Refurbished, cutting-edge, and pricey items also fall into the "just buy the damn warranty" category. Check out the article on SmartMoney for more tips.
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