There are inherent risk in anything we partake be it walking of skydiving...
Making informed decision with adequate research lessens the risk but alas do not eliminate it.
Insurance is more than buying into comfort when something does go wrong but isn't a complete answer.
Knowing what you are getting into with full service history of the unit and a full pre inspection check/diagnostic is a MUST.
Guarantee does not last forever!
Its like marrying a girl... you'd want to know her, the company she keeps, the family she is from, how temperamental she could be etc etc
Same goes with a car. What makes her tick, does her pedigree suit you, etc etc...
End of the day, you mary the girl that you love anyways, irrespective of what others say!
So just gut up and jump to what your heart desires... If you don't like or get weary of her after 2-3 years, trade in and get a replacement.
At least, its cheaper than a divorce!
Excuse my ramblings... but thats just how life is
Happy hunting and do update us with pics of your impending bride...