So this is something to consider with the Premium Maintenance Plan that I found out when I did some research.
I had priced out how much the plan would cost over how long I expected to keep the car and to include some of the higher cost items like spark plugs, shocks, brake pads, belts, etc. I forgot who I asked first but they said they'll inspect the items and change only if necessary. Ford said they will not do that. So if I went in at 100k miles for the spark plug service and they deemed them fine, they will not replace them. Same goes for belts, brake pads, shocks, etc. This possibly left me at the mercy of the dealership to do the service.
Now, I have read recently that some are going in for an oil change and they're suggesting a transmission fluid change also (it was about 30k miles I think)... since it's covered under their maintenance plan. It could be that dealership is really looking out for their customer or they get paid by the plan for the service and they're recommending services before they are actually needed.
For me, I didn't want to take that risk but maybe I should have.