I never had any real experience with off-roading or Jeeps when I bought my 2008. I figured that since I was so new to it all that I would err on the side of caution. I bought the Rubicon because it already had lockers and all the other bells and whistles designed into it and I wouldn't have to wrestle mentally with additional equipment later.
I also bought the extended lifetime warrantee because I figured this would be my one and only Jeep until I was too old to drive. If there was any design flaw, the dealership would cover it and my wallet would be reasonably safe.
Over the years I have modified my Jeep quite a bit, learned a great deal about the mechanics, and have driven in some very challenging situations. Not to mention the terrific people I have met.
Closing in on 90,000 miles with the Jeep. I have never had a need for the lifetime warrantee. All repairs were for items not covered; items like the clutch and tires that are excluded because of normal wear and tear.
In retrospect: most, if not all, of the possible things that could go wrong would not be as expensive as that warrantee.
p.s. I bought a 2013 Rubicon. The lifetime warrantee was not offered and I didn't take the extended warrantee. Just my decision to face the future knowing that any major failures of the Jeep will come directly out of my wallet and not from a "safety deposit" called a warrantee.