Yes, I'd get a extended warranty that covers all components as well. Balloon is around 15k then keep it for a couple of years until we retire then make a decision about one car for us both to use. But that could change depending upon where we end up retiring too...So you’ll pay the balloon payment? I’ve decided to keep mine for another year, although I bought it outright so not a particularly difficult decision. I did buy an extended warranty though. I thought £372 was pretty reasonable for a VAG backed warranty. I’ve watched the gearbox like a hawk for 3 years during which time it has been as good as gold. It would have been just my luck for it to go wrong if I hadn’t bought the warranty. In polite circles I think they call it Murphy’s law.