Call me crazy, but spending $6k on "insurance" before you even have a problem seems a bit extreme, especially with a 5yr 60k warranty.  Used 4x4 10R80s are available at around $2k.  I'd research that option first.  Internal gearing might be slightly different, but your transfer case and driveshaft should bolt up.
								 
				 
 
		 
 
		 
 
		 
 
		 
 
		 
 
		 
 
		 
 
		 
 
		 
 
		 
 
		