As I already have over 31K and a big trip is coming up, I bought a GMPP Major Guard from
Black Pontiac.
*UPDATE: The 2006 GMPP program is CHEAPER than the 2005. Allen Black (owner (877)472-9550) is a stand-up guy -- and I will be buying the 06 program instead.
$1635 + $500 surcharge = $2135 for 36/36000 $0 deductible ($420 savings over 2005 program! 
)