Took one out on the T5 just for year 4, has had lots of problems with the T5 early days. The VW warrantee cost nearly £1000. I was doing 30,000 miles a year at the time. Within 1 month the cam went on the 174hp engine, it would have cost about £2500 for a new cam. So i got my cash back and then some. A couple of months later had a drive shaft go on the drivers side, and VW just refuses to pay out. VW UK are complete crooks imo.
Fortunately never really had another problem.
I guess if the BMW M135's don't have many common problems (unlike the early T5) I might not bother; but if there are some common failures of expensive bits I guess the £360 saved and £500 excess won't get you very far when labour rates are £100/hr plus in many high end franchised dealerships.
For what reasons did VW give for not paing out on something that was under Guarantee ?