I opted to forgo them as they would be prorated for the cost. Also, the print says offroad failures not covered. Granted it comes down to the store's service managers. The biggest thing was I had to warranty every tire or none. The justification being "we would not which tire was warrantied", in reality it should have been ok to buy one warranty and only have the option to replace one tire, once. That was how my first purchase from the online portion of Discount Tire (Discount Tire Direct) three years ago went.
Since after any real wear I would need all four tires anyway, I passed onthe $46 per tire x 5 covereage to recieve prorated hazard coverage for a $260 dollar tire. I may regret it, but I specifically asked about the prorated amount etc. It seemed I would need two unrepairable tires to come out ahead.
Thanks for the replies! I went with Cooper ST MAXX's.