I would drop the protection plan. If you need service, you can add it back before requesting the service. Then, you have to keep it for a few months to avoid a fee and you can drop it again. That comes out cheaper than the service call and you don't have to pay for the plan when you don't need it.
Great advice. One can pick it up prn, then jettsion it after 6 mos. to avoid an addt'l fee for cancelling the service too soon.