I'll most likley go with the Gold, I put on a lot of miles (long ways between stuff out here on the prarie). My X has been outstanding. Only 1 warranty related issue since I bought it. Buddy of mine and I were fly fishing in WY, and he was going to move the truck downstream to where I was fishing. Anyway, when he gets to where I am, he (die hard bow tie guy), grabs the wiper control lever (XTerrras with Autos are floor shifters), thinking it was the auto shift lever, and puts it in park. Needless to say it comes off in his hand! Dealer replaced without questions.
General pricing on the Gold warranty? Somewhere between $800 and $1200? Thanks for all the help.