I'm usually the guy that never buys the add on insurance but years ago a friend told me to get the tire and wheel protection. Six years later and 6-8 tire replacements, I'm glad I did. But I'm also in a large city with a lot of construction. Lastly, do you have all season tires that can be patched or are you going with a lower profile that's best not to patch? As far as coatings on a car, it's your call. I'm a fan of a ceramic or polymer sealant but you have to be careful who applies and what they tell you. I have found that a paint/glass coating will typically last 18-24 months if you keep your car in a garage. (They might tell you 3-5 yrs) It's a coating (like wax) with a longer life and a bit different shine. Some people like it and some do not. Like wax, it will not prevent rock chips/door dings/etc. And of course, you have to maintain the paint/glass/wheels with a quality soap, proper towels to dry, a detailer. spray. Again, some people enjoy this and some don't. I'm not familiar with simonize but at Hennessy in Atlanta, they treat their cars with Resistall. I've had 3 cars from them and my 6 yr old car looks like it just came off the showroom floor.