On any legitimate repair, we never hesitated to pay the full price of the repair, the same as if we were the customer without a contract. (There's a difference between a warranty and a service contract).
HOWEVER, with experience, we knew which shops would play it straight and which ones would try to honk us. There was a gal in a large Olds dealership in Las Vegas that would come up with all sorts of off the wall stuff, and if you called her on it she'd shrug and say, "Oh well, I tried". Those were the kind that got hassled and nitpicked.
Reread your post. I think you contradicted yourself.
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Today's Featured Article - The River Tractor - by Charlie English Jr.. This is a 4010 John Deere that was used to farm on the Diamond Island which is in the Ohio River about 15 miles southwest of Evansville, Indiana. About ten years ago, this tractor was parked close to the bank as the river was washing the bank of the island away.
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