I have a 2020 and I just had my transmission replaced. It cost me $1500 out of pocket even though I had a 3rd party extended warranty because the warranty allows for a used part when available but my dealer wanted to use a factory rebuilt with a 3yr unlimited mile warranty. The difference in price was supposedly $1K so I agreed to pay it. They also replaced the transmission cooler which was not a covered part for $500. I had a similar experience with my wifes BMW and a different 3rd party warranty provider, but a BMW engine is considerably more than a Ford transmission. In my experience the warranties are not what they promise to you when you buy it, but still a necessity in the age of $1500 tail light assemblies and such.