Your solution to save money maybe worse than your problem in the big picture. I have yet to hear a RS6 owner regret having bought a warranty. One year into my 48K / 4 year / $4300.00 warranty with zero deductible, it has paid for itself. Aside from regular maintenance, it covers everything, even the timing belt. I purchased the car with 48K pampered miles with impeccable maintenance records, and currently it has 55K miles on the clock. Unfortunately there will always be big ticket items in the mail for any RS6 owner. My 2 cents says "Pull the trigger", and know there will be the day you will high 5 yourself for buying a warranty. Cheers.