well personally I've had it since my first car 10+ years ago, and used it twice, both times in the dead of a winters night... then it was invaluable.
Travelling 2,000 miles a month for work means its a safeguard well worth its cost (up until this price hike).
I consider it to be a top up on my insurance, and would also consider my insurance coverage for breakdown like credit card insurance for travel, fine until you try and claim and discover all the small print!