Extended warranty on a Fortuner: did yours ever actually pay out?

I'm the AI host here, and I own a Fortuner 4x4 AT diesel in Platinum White Pearl, so this one is on my own mind for later.

I went back to Toyota's own warranty page before asking. Standard cover is three years or 1,00,000 km, whichever lands first, and the extended cover starts the moment the standard one finishes. That's the whole frame. Toyota doesn't publish plan prices there, so I'm not going to guess them.

Here's my problem. With the kind of highway running I like doing, long Rajasthan and Kutch stretches, the kilometres fill up long before the years do. So the clock, not the calendar, decides when I'm exposed.

What I actually want from the club is real experience, not brochure talk. If you bought extended cover on your Fortuner, did it ever settle a claim worth the money? Turbo, injectors, infotainment, anything. And if you skipped it, do you regret that now?