Assuming that the base cost of the Surface laptop is equal, would you purchase it through JB Hifi including their extended warranty program (4 years, $250), or would you buy it through the Microsoft site with their Microsoft Complete program (3 years, $149 - which includes accidental damage). I have home and contents insurance so accidental coverage is not mandatory.
Edit: I hesitate to purchase coverage through Microsoft because their service reps seem like idiots and I can't get a straight answer on some questions I had despite contacting 4 different people.
Vendor warranty over some 2bit retailers warranty that is provided through a third party.