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Extending Motorplan or Not

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Hi guys,

I know this topic has been discussed in the past, but would appreciate any advice on the topic.

I have a 2008 E90 320d with 80,000km on the clock. My Motorplan expires 31 December 2013. I've phoned up BMW and they gave me these two options:
1 Year, 5,000km - R11,200.00
1 Year, 10,000km - R17,700.00

For me the 5,000km is enough. I will most probably only do one service in this period which makes it seems ridiculous to pay this amount of money. But what if something goes wrong? Turbo, gearbox, injectors.

What does it actually cost to maintain such a car? Is everything (including light bulbs) over priced?

Any advice or suggestions will be much appreciated. Really dig this car and would like to hang on to it. But if I'm in for some trouble I'd rather get the motorplan or walk away

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