When I bought my Expy in June 2019 I was nervous about not buying from my local dealer (having it be a legit warranty from another source) AND nervous about really trusting people on the forum since I was newer to this site, and the internet is full of d-bags and no-it-alls nowadays.
...BUT I have to say, in hindsight, I now trust the people on here and would 100%, if not buy from, use as a negotiating tool Flood Ford or Lombard prices.
In fact, I had filled out info on Lombard Ford site and after not buying it, they sent follow up emails offering better deals and a promo code for even cheaper warranty. I probably spent around $1000 more on my warranty with my dealer than Lombard.
I'd say another "Win" for this forum and the users. Thanks!