However, we then decided to buy replace some appliances to brand new ones, including ranges/oven (the older one's ignitor does not work, and we feel terrible using matches..)
Why didn't you just fix the stove's igniter? First of all, you had a warranty (even though it was probably bullshit -- see below). Second, I DIY'd mine a few months ago, and it only cost me about $25 and wasn't very hard to do. Third, igniters are wear items, and expected to last only a few years. If you're replacing your stove just because of that, you're wasting a ton of of money.
Why are you randomly deciding to upgrade bunches of appliances and toilets and whatnot? Do they actually need to be replaced, or are you just feeling paranoid that they'll break? (If that's the case, then the correct answer is to
stop being paranoid!) A big part of home ownership is realizing that you need to be able to handle these sorts of issues without overreacting, which you're currently failing at.
In general, warranties are bullshit. This is even more true for add-on third-party warranties that you buy yourself (as opposed to manufacturer warranties that the item comes with by default). Not only will you lose because you'll make a bunch of payments but probably won't file many claims, even if you do make a claim the deductible or "service fee" or whatever often exceeds the cost of the repair! (I'd be willing to bet your warranty would charge you at least $75 to cover that $25 + labor stove igniter repair, for example.)
This video should explain in detail why extended warranties (including house warranties) are generally a rip-off. (I say "should" because I haven't actually watched it since I'm at work.)
Remember, if a warranty/insurance were ever a good value for money then the company offering it would go bankrupt because claims would exceed premiums. The
only reasons to have it are if you can't afford to risk going without (the common case), or if you know something that the company doesn't that makes your situation much riskier than they think it is (not likely).