1st, congrats on your new car, a lot of people take the finance option to achieve a bonus of some sort then pay it off right away, never heard of a black mark on your credit score if you do this, never affected me, don’t buy the options you’ve mentioned from the dealer, all can be purchased much cheaper away from the showroom, ie superguard type, I bought the product in at £59 (maybe £69), sales desk charge £299. Enjoy.