Honda Pilot EX-L good deal?

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2019 Hondastrong text****strong text Pilot EXL

I signed for a Honda Pilot EXL 10K miles, 39 months (not from HFS - its from a credit union)

Original MSRP - 40,705
Residual value - 26,051

Dealer cost - 37,293
Selling price - 35,890
Total Cap Cost - 38,063

Paying 415 + DMV ONLY

Good deal or no ??

Question - they offered tire protection and also wear and tear protection - charging 1326 for it

660 for wear and tear protection
550 for tire and rim protection

Does anyone get it - is it advisable to get ? Can I get it cheaper from anywhere else or do I have to get thru them ?