Dude, 5 bucks a month extra and you'd only be paying $80 for a brand new one...I NEVER buy new electronics without getting some kind of insurance or extended warranty, it is SO worth it...sorry to be all "I told you so," but..well...I told you so. What'd she smash it with just out of curiousity? What were you guys fighting about?
Or, you'd be paying $80 for a refurb.
I'm 24 years old, and have been buying electronics on my own since I was 12, and I've never purchased an extended warranty. I could do the math and go back and see how much money I've saved, but I'd feel bad rubbing it in your face.
People are different, and there's no blanket correct answer to anything involving electronics....