It is not about being able to afford it; it is about the value of what you are paying. Is what you pay enough to offset the typical out of pocket expenses you may accumulate without the PP? IMO, no. Most people will never come close to having to spend $600 out of their own pocket to replace equipment.
My point is if people decide to purchase the PP they have to ask themselves, is it worth spending extra money even if it is not all that much?
And, how often will I need it, or how often do most people use it? If it is not very often, then is it still cost effective?
If it is to you, fine, pay for it. If it is not, then don't.
During the 10 years I had a tech come twice. One for an alignment and one for a free equipment replacement upgrade. The only charge too me was the alignment. Both times the tech checked everything and made sure all was good. Even left a couple of remotes. When I think about how much I spent out of my own pocket and how much I would have spent with the PP, it is not worth it.
Everyone I know with DirecTV has a similar experience with mine. It is just not needed enough to spend the money for it.
Look at it like this. One man's candy can be another man's poison.