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umm when I got my 325 the extended cpo added like 20 bucks a month onto the payment for a grand total of $2349 on top of the sticker. I mostly opted into it after seeing the gobs of money my mother had to pay on her 03 e46 on minor type things such as lighting issues (lighting ground in the tails went FUBAR $$$$) etc...I'd say (IMHO of course) that you need weigh options by getting quotes from BMW (should be able to accomplish this thru an SA at your local center) as well as third party warrenty companies to see which way you would come out best in the long run.
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