you didn't get ripped off ...all the "extras" you paid for
are of some value IF needed down the road
*gap insurance is very important if the car is totaled b-4 you pay it off( the insurance companys NEVER pay book value)
* credit life is gonna keep somebody from paying for
your car if(heaven forbid) you should die b-4 it's paid for
*extended warranty coverage is also good if after
the warranty expires for items like computer modules,
water pumps,alternators,however there is usually a "fee"
or deductable that you must pay, 50-200 dollars per
claim