looks like sears is pulling ahead. I did notice sears is more expensive. I just went to get a camera for my mom, They charge $80 for a canon S2 IS I bought for $159. Then I went across the street to Officemax and bought an hp R707 for $75 and the plan was only $14. I guess they don't ask questions at sears. It's worth it if the user is clueless and/or clumsy.
In most cases I get the item at a good enough deal where even if it breaks down, I can sell the broken item on ebay for at least 75% of what I paid for it, considering I upgrade every six months anyway.