not to beat the dead horse, but there are still people who would rather listen to decade old rumors than the truth, hope this helps
if anyone else has questions, just send an email or make one phone call and you'll find the answer direct from Nikon themselves
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From the UK perspective this is a clarification of the USA position.
What is not mentioned is the cost of repairs either in or out of warranty.
Nikon like many companies seem to operate repair bands and prices - which could be $1,000 - though many repairs cost less.
A few years back I had a main circuit board failure of a D850 repaired in its second year. Fortunately at the time Nikon UK had a 2 year extended warranty scheme - as I understand the repair cost over £500.
Extended warranty and insurance schemes are not exactly the same as a manufacturers warranty.
With a Nikon warranty claim you send it off and it comes back repaired (sometimes eventually) at no cost to you except perhaps shipping.
Insurance schemes are typically one year over one or perhaps four years over one to "sort of" extend the manufacturers warranty.
Usually you have to get an estimate and submit a claim - which slows up payment.
The extended warranty policy wording is rarely inspected at the equipment buying stage - and may have extra conditions and payment limitations.
As an example some electrical components for hybrid or electric cars can cost £/$10,000 fitted.
Car extended warranties often have an age contribution clause.
As an example if a £/$10,000 repair happens when the vehicle is 7 years old and the warranty provider decides the normal life of the part is 10 years, 7 years is deducted and you get paid just £/$3,000.
While warranty issues NOT caused by external accidental damage are uncommon - it is wise to have some money somewhere in reserve for if you are unlucky.
In the UK the position is partially different in that the RETAILER has to sell products reasonably fit for purpose with a life expectancy depending on price paid of up to 6 years.
If a low shutter count Z9 fails just outside the 1 year Nikon UK warranty (in the EEC it is usually 2 years) you have a good claim for the cost of out of Nikon warranty repairs from the RETAILER.
If you drop and damage equipment that needs a repair - either you have accidental damage insurance or you do not.
EDIT - a decision for Nikon USA is if they prioritise their warranty repairs or products they imported from Nikon Japan - repairs of grey imports might take longer.