I am going through the same thought process as you are with a 2016 TDI 30,000 miles. The power train and emissions system has pretty good protection up to 100,000 mi,but this is a complicated car and fixing stuff other than emissions can be a real issue. If you will be keeping the car long term get an extended warranty. I bgt only one policy in the past for a BMW 735 sedan and it paid off and more.. I still have some time to decide if I want ti keep the car long term,but I will be pricing out my options. The longer you wait the higher the price will be. Good luck with the car.