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I have never bought the excess wear plans myself and have not been dinged. Granted, I ran my own tires and put the stock back on before return and I was pretty anal when it came to protecting the car against scratches and dings. Some dealers also don't care as much while others nickel and dime you to death.
I guess it comes down to whether you're confident you can take good care of your car or if you can't be bothered to fret over every little (or big) parking lot dings for a car you will be returning.
Depending on your driving habits you'll probably need to change your pads at some point during the lease anyway. As long as the pads aren't worn down too much on return you should be OK.
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