Too much can (and will) go wrong with these cars. The Nav radio alone is a $1800 part, and I've seen enough of them go bad that I don't trust mine to last the life of the car.
The radar sensor for the ACC is around $2k, and each of the blind spot radars are around $1k. I've heard about quite a few folks having to replace those, and I'd rather not have to shell out that kind of money to keep my non-essential gadgets working if they fail.
I plan on driving my Charger into the ground, or at least passing it on to one of my kids sometime. Of course, I also said that about my "old" 2013 Charger, so take that statement with a grain of salt.
I had the Lifetime $100 deductible Max Care on the '13, but when I traded it in, I got the money back, minus a very fair fee. That money went straight towards the Max Care on my '14.
I keep the cars I like. I've got a '99 Wrangler, and a couple of summers ago I needed to replace the exhaust manifold because the crack in it had gotten so large that it was causing problems besides the exhaust noise. Every shop I called quoted me at least $900 to replace it. I ended up doing it myself for around $200, but I can safely say that I spent 16 hours on it, because I needed to take it apart three times before I got it right. Now I've got a rear main seal leak that I need to take care of, so it'll be another $500 or a ton of my time to repair a very messy job.
I also had a '95 Cherokee that I'dkept purring like a kitten until my daughter totaled it this summer - a day after I replaced the hydraulic clutch line. I don't want to think about the money I've spent over the years keeping that vehicle running, but I can guarantee it was much more than the Max Care warranty cost.
If you drive a car long enough, you will have to make repairs. Sure, the cars are much better today than they were a couple of decades ago, but water pumps still go out, gaskets start leaking, AC systems crap out, electronics age and fail, the list goes on.
I put 30k miles on my '13 Charger in the thirteen months I owned it. For me, the Lifetime Max Care plan was an amazing option. Likewise on my '14.