You're wasting you money if you buy new.  Consider $6000 of that going
up in smoke the instant you sign the paperwork.

I wouldn't unless they offer a ten year plan.
I've yet to see any extended warranty on any product that was worth the
cost and trouble.
If you can get it for less than $2.5K and it covers >7 years then it might
be worth considering.  Keep in mind that it will invariably not cover the
parts that fail on your car.  Make damn sure that coverage for the
hybrid battery pack isn't pro-rated.

Pure snake oil.  Don't get any extras.  Any.

Why even get a hybrid?  It will never pay for itself compared to a three year
old civic non-hybrid.  $22K is a lot to pay for a crappy little civic.
Also: don't get a loan > 60 months.  Keep in mind that the interest compounds
for every single year. (13% becomes 30%, etc. after 4 years)

When I buy a new Honda, I avoid buying anything but the car.  I might
add the trunk liner and gold kit because I have to buy from Honda
anyway.  All those things you mentioned above are cash cows for the
dealer.  You don't need any of them.  Also, I have been able to beat
Costco's price by going through the fleet managers.  People think you
have to be a business to use them, but you don't.  See what kind of
bid you can get on the Internet.  The person who answers you will
probably be fleet management.

I did that same thing.  Costco price, walk in, buy the car.
The Civic Hybrid didn't have any options other than transmission in 2003,
and that option is gone for 2006.  There are some factory options now, but
no dealer addons.

I bought an 8 year 100,000 mile warranty.  The price offered was something
like $1700.  When I said no, thanks, he suddenly "remembered" that I was on
Costco pricing, and offered it to me for $1143.  It is also refundable
after 8 years if I don't use it.  I'm getting close to exhausting it, at
70,000 miles, but I won't get the refund until 8 years.

If you are buying a "California AT-PZEV" model, available in 11 states,
check that warranty.  Lots of stuff is covered 15/150,000.

I bought a set of floor mats at Kragen that look like "factory" color.

Compare it to the included warranty.
You may find nothing worthwhile is added, but it costs a lot.

I believe the battery has a long warranty.  You shouldn't plan on
keeping it beyond 5 or 6 yrs as the hybrid battery will then be losing
capacity and becoming less effective every day. When it needs a new
hybrid battery the cost is very high.  It may be difficult to sell it at
7/8 yrs, unless a new battery is installed.

Pure dealer profit.
Not even needed on our Canadian salty winter roads.
It may even be worse to have extra bottom protection.
Extra paint protection shouldn't be needed.

Definitely.

Are you sure the hybrid is a good choice for you?
If you drive mostly stop and go city it is probably worthwhile.
If you drive mostly highway it isn't.

Thanks for all the very good input.  My inclination would be  to buy a
used car but I am doing this for my wife who will appreciate the new
car more than saving money.  - she is frugal in many ways but says for
once in her life she would like a new car, and we ain't getting any
younger.    She's been driving a 91 Accord for the last 14 years.
Still drives great but the electronics are doing funky things and it's
got some oil and other fluid leaks.    -- I drive a 94 Chevy Astro
6cyl and I'm happy with it.

The listed price difference between a new Civic Hybrid and regular
Civic Sedan Lx is about $5000.   (I'm assuming the Hybrid is fitted
out like the LX).  There is a tax credit of $2100 for the Hybrid so
the difference becomes $3K.  Since she drives about $12K a year it's
going to take quite a while to make the Hybrid pay for itself and
that's not taking into account the extra hit when you have to replace
the batteries.   So I'm aware that the new hybrid isn't the smartest
move economically.    

Just went to the local dealer and asked a lot of questions got some
answers:

There are a few differences between the Hybrid and the Civic LX.  The
Hybrid has electric steering, brake assist, auto climate control, more
speakers in the sound system. exterior temp sensor, spoiler and turn
signals on the side mirrors.  The rear seat can not fold down to make
the rear trunk bigger.  

The factory warranty 3 yr 36K bumper to bumper, 5yr 60K power train,
15yer 150K on IMA (electric stuff of the hybrid).

Replacing a battery module is $3600 - I have to call the guy back to
learn about whether the battery is covered in the 15 yr 150K IMA.

Extras:
Paint protection and upholstery protection - I don't want it.
Undercoating - I don't want it.

Honda Care -- he didn't want to give me an exact price but said around
$2K extends bumper to bumper to 8yr 120K.  It doesn't cover catalytic
converter, muffler, exhaust pipe or paint osmetics.  Theoritcally you
need to be doing the regular maintenance to not void that warranty.
That would be oil changes ($40), minor tuneups ($140) every 10K and
major tuneups efvery  30K ($389).  Not sure whether it's worth it.

Starguard security key for around $500.  Might go with that.   He
explained that you need the starguard key inserted to run the car and
that avoids the VIN identity theft  tricks.  I asked him whether that
avoids the brake release tricks that I recently read on this newsgroup
and he wasn't aware of that vulnerability.  

Also went for a drive in the car and it drives nicely although it
doesn't have the power that I'm used to.  I'm usually a slow driver so
that's okay.  I did like the handling.