Id bet easily that the cost of following their maintenance plan far outweighs one major failure to transmission or engine. Scheduled maintenance on my Corolla is probably close to 300 -350$ per oil change interval and some intervals alot more... so lets say the average is 400$ (some intervals are more) and you change your oil 3-4 times per year.. thats 1200-1600$, whereas i change my own oil for cost of say.. 15-20$, so say 60-80$, thats alot of overhead, and im sure their recommended maintenance is likely more than that.. I wouldnt bother and just do all the work yourself and if something does go in 10 years or so, worry about it then.