Keep in mind that those folks who tell you "that warranty paid for itself when I needed to repair this or that..." are in a minority. The majority of folks are *not* going to have these problems. ... but they don't post that everything is great
(well, some do).
If something breaking would cause you undue hardship, then you should consider insurance. For example, if you own your house and would not be able to afford to rebuild it in the event it were to burn down, then you should have insurance on it.
If your RV air conditioner were to break down and you couldn't afford to repair it (right away) then just don't use the AC until you can afford to repair it - no real hardship.
I used to purchase extended warranties, but learned the hard way they generally don't pay off, so I quit doing it.