Hi. As a newbie to the forum, I hope I am not asking a question a million others already have but here it goes? I recently purchased two 2015 sportsmans (850 & 570) The dealer offers an in-house 5-yr warranty for $1200.00 (Zurick I believe) and then I get a Polaris warranty for the same 5yr term for $1400.00. My question is . . . should I get a warranty? I have not compared what is and is not covered by each at this point. working on that as we speak. Thank you in advance for your replies!