Your case I wouldn't worry about it. I personally think if anything going to go wrong, it would have happened by now. Mines out of warranty too. Between two probably save enough to rebuild one if it ever happened. These engines for two strokes are very reliable. Not many having trouble besides odd manufacturing defect.
Under 1k. Heading back to work on Sat, not home until the 21st for a week, then gone 2 weeks and off 2 weeks to end my season up north. So if we have local riding then maybe get it up to 2500 this year. Local riding is a crap shoot.
I think that I would agree with you. You don't seem to do a lot of Km's. so chances of failure are less anyway. The other thing that bothers me about ext'd. Warranty is how much the dealer makes out of it. I don't know with sleds but I personally know of vehicle dealers where their cost on the coverage is 50% of the suggested list $