New X5 35i SA owner need advice on BMW extended warranty

[XMen]

Hello everyone, I ordered a 2013 X5 35i SA with HUD and automatic high beam, convenience package with NAV, and MSport package with Adaptive Drive. I'm very excited waiting on my first X5 which should be completed in next couple of weeks. I'm planning to get the Dinan stage 2 tune within the first month of ownership. I plan on keeping my X5 for 5 to 6 years before considering a replacement. I'm debating whether to get the BMW extended maintenance program and the extended vehicle protection. I'm hoping you can help me out.

1. In your experience, is the extended maintenance program worth the cost?

2. I'm a little concerned Adaptive Drive may not be too reliable in the long run, and although Dinan tune comes with a 4 year/50,0000 warranty, I'm concerned what would happen to the drive train after the Dinan warranty. So I was considering getting a 6year/100,000 extended vehicle protection (gold or platinum). I think the gold will cover the Adaptive Drive. Do you feel extended vehicle protection is a worthwhile investment? The difference between gold and platinum is coverage for the electronics (NAV, stereo, etc). Are BMW electronics generally reliable not to warrant the platinum coverage?

Thanks.