I bought my ‘22GT used (758 miles) in June 2023 and the warranty carried over. I would say to just put a $100 in the bank every month in a “motorcycle savings account” and that would serve you better than an extended warranty.
Depends on your mechanical and electrical aptitude. If you're comfortable wrenching on your own ride, then the extended warranty is probably a waste of resources. If you don't know the difference between a box end and open end wrench the warranty is your friend and ally.