2025: Extended warranty now or later?

I'm very close to pulling the trigger on a 2025 Bighorn. I know there is 3 years of bumper to bumper coverage. But I'm unsure of when to get the extended warranty - now, or wait to get it during the 3rd year?

p.s: the Mopar website indicates that coverage starts immediately - which makes me wonder if i should just wait and get it after 2.5 years.

Any suggestions? TIA