I am close to picking up an xti. Best Buy offers a 4-year service plan. They say it will cover pretty much anything but full water submersion. I have a buddy that owns a bar and gets his tvs from best buy with the 4-year plan and at about 3 1/2 years the tvs "break" or "fall off the shelf". At which point he gets a new tv under the plan. Anyone purchased from best buy and pick up a 4-year plan? thoughts please.