2009@76,800miles: Add-On Extended Warranties?

As you approach 100,000 miles its going to get alot more expensive if you never open the hood. Gen 2's use oil.
Your next adventure is going to be a Prius that eats alot of oil becasue you never check under the hood and the oil ran dangerously low. Once it does that it scuff's the oil rings and that's that. Lots and lots of posts here about flickering check engine lights going around corners. That means the oil is so low its losing oil pressure around corners. Most people I notice will go through the trouble of joining here then posting here about it before they even open the hood and check anything.

Same with your water pump repair. It was weeping coolant for a long long time and you ran it low. You can keep a weeping pump going forever if you keep after it. You have to keep an eye on water levels if anything has been replaced as they may need to be topped off or have a small leak. Everything's moving around under there.

 

A Prius is one of the most reliable cars around. What you've experienced is a combination of early failure (water pump, failed headlight seal), high dealer prices and likely unnecessary services. Dealers are notorious for adding services so a 75K service likely included more stuff than you needed.

I've not replaced a failed water pump, well, frankly I can't remember replacing one. I replaced my Odyssey's when I did the timing belt at 100K, but it was fine and frankly I shouldn't have. My Mazda3 has 140K, my Escort went 184K, my Caravan 184K, all on the original pumps.

The best suggestion here was to put the money you'd spend on a warranty in an account for future repairs. Then, pay attention to your oil and other fluid levels, do the required services in your manual (don't let the dealer talk you into more) and I think you'll be fine.