See my post regarding extended warranty. I treated these the same way, as insurance. Basically, if anything happened, I didn't have to worry about it for a fairly small fee up front (I think I paid $400 for both).

Now, I have no idea what the 'base' fabric protection is, but I spilled half a bottle of Pepsi on the passenger seat and it beaded off to the floor, no stain. I'm already ahead in my mind.

I also purchased the Diamond Fusion windshield product, just for the 5 year windshield chip warranty.