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Upgrading to cover the brakes under the maintenance plan has always been worth it for me.
On my '18 M3 CS it was $700. I got new pads and rotors around the 2 year mark.
On my '20 X7 I didn't buy the extension at the time of lease, but a few months ago I found out that my front brakes were almost in need of replacement. I called up my finance guy and bought the extension for $700. Car is getting new front pads and rotors today.
Basically, it all comes down to how you drive. But, keep in mind, you don't have to buy it at the time of signing. You can buy it later. Also, you don't have to buy it from your local dealership, so shop around for the best prices.
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Ex Stig
'25 M5 Touring (on the list, first slot)
'24 X7 M60i
'22 M5 CS - (sold)
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