Time is Money
I've been fortunate to have had Dell's Premium support for eight years, through three Dell Latitudes, upgrading every two to three years. The cost savings of my time has paid for the extra expense many times over. No wait time, and well-trained tech support. Once, through a troubleshooting walk-through with them, we came to the conclusion that my hard drive was about to fail. I had a new hard drive in my hands the next day.
I'm currently in the research phase of a new laptop, which is agonizing for me, but if I do order another Dell, (M70 or D610), I will purchase the Premium support.