nostra – please tell us where you can go to replace the washer, dryer, fridge, dishwasher, oven and microwave for ~ $500.
But I get your point. For about $500 per year, you could easily replace these things based on their life cycle (5 years for a D/W and microwave, 15 years for a range, 8-10 years for everything else).
For first-timers in a new place, unless the appliances are fairly new, it’s probably worth taking the warranty since every appliance could be on its last leg.