I am looking at some new boats with Merc 250's. They come with a 3 year full warranty and they are talking about adding an additional 2 years of "Gold" warranty but not "Platinum" at no cost. I understand that Gold covers mechanical engine issues but not electrical issues in years 4 and 5. Obviously the Platinum would be better but does anyone have a feel for what the price difference should be between the Gold and Platinum for years 4 and 5? Someone told me that the majority of the times issues in years 4 or 5 would be "electrical" not "Mechanical".............any idea if that is an accurate statement?