Car manufacturer warranty isn't as superior as some think. Time and time again we hear of ways dealerships finding loopholes out of covering things especially emissions components. I prefer to purchased used (1-2 years old) for a few reasons. Let someone else take the massive hit in depreciation of driving a new vehicle off the lot. Also, generally speaking after two years most if not all the bugs have been worked out. For a diesel I generally always let the EGR/SCR/DFP fall off so being off warranty is better for that.
I really don't know, I've never had to use one, knock on wood.
I used to think like you. I bought a 1994 GMC half ton, used in 2000, it had about 62,000 miles. $15,000. It was a nice truck, and I drove it for many years.
I also replaced/rebuilt the starter, alternator, transmission (twice), new engine (bored and cammed) 350 (cheap), brakes, front end parts, ect, ect,ect. When I added up all of that, including the cost the GMC, it all added up to a brand new truck, and I'm not including the many hours involved. The only way that worked is if I did the work anyway.
And my next truck was a brand new 2011 Silverado, next was the 2017 Ecodiesel, now the 2021 Cummins. New trucks in my experience, just run, with no working on them, just use 'em. Do you value your time?
Now I'm in the buy new, drive it for a while, and sell, and repeat. The money, so far, I've gotten for these new trucks as used later on was substantial, because they were still nice newer trucks. Your notion of "Let someone else take the massive hit in depreciation of driving a new vehicle off the lot" don't pass muster. I rolled that used truck money into the new trucks, paying them off quickly under two years.
One way or another, you're gonna pay.