Depends on your level of mechanical aptitude, physical ability, age/condition of vehicles, and risk tolerance IMO.
Companies that sell those policies have huge algorithms that determine the cost of the policies based on similar factors, that ensure they make money on the policies they sell.
Do your own little analysis.
In general, my feelings (being generally well prepared to tackle little stuff on the road and generally driving very relaible well kept vehicles) are its not worth it, for me, now.
But the opposite end of the spectrum, when I was a kid, with snow plowing contracts, using and old beater truck, I made money on AAA service because I broke the truck several times a winter and it was cheap pre paid towing home.
2016 Ram 2500, MotorOps.ca EFIlive tuned, 5โ turbo back, 6" lift on 37s
2017 Heartland Torque T29 - Sold.
Couple of Arctic Fox TCs - Sold