The Garmin standard warranty is solid for manufacturing defects but does cover your butterfingers.
Garmin’s warranty is designed to protect against factory errors, not the hazards of an active lifestyle. Common exclusions include: Consumer Limited Warranty - Garmin garmin watch warranty
If you buy a premium model like the Epix or Marq ($800+), buy the plan. If you buy a $200 Forerunner 55, skip it and just use a screen protector. The Garmin standard warranty is solid for manufacturing
If a component fails during "normal use," Garmin will, at its discretion, repair the device, replace it with a new or Recertified Garmin device , or issue a full refund. " Garmin will