I assume the cleaning is to clean the CCD sensor (if necessary).
When you change lenses on the DSLR it is open to the possibility of dust getting inside and settling on the CCD sensor.
Most cleaning instructions for DSLR owners is to use a rubber bulb to blow some air inside. You should never use anything that can touch the CCD sensor.
Sometimes the air does not dislodge the dust particle and it will show on your pictures. Then you need a professional to clean it.
If you do not change lenses, no dust can get inside.
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Do you need extended coverage?
Only if your camera breaks.
Will it break?
Perhaps - Perhaps not.
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I've decided on purchasing a Nikon D40x and will be etting it from my local Wolf store since they have good prices and offer free photography classes when you buy from them. The salesman there helped me determine the price of everything I would need since I'm new to the hobby (memory, card reader, filter). He also wanted to sell me the extended service contract. It adds over $300 to the purchase which could be spent on another lens. His 'push' on the importance of it was that it covered 3 cleanings a year that normally cost $100 each. Why would I need to clean my camera 3 times a year? Is an annual cleaning even necessary if I am not shooting in dusty environments? I trust that Wolf would deliver on this contract (I've read it) but $353 to extend the coverage to 3 years? It covers accidental damage also. But, I'm not one to drop something like this. Although I did drop my little HP point and shoot digital camera. It took a beating and kept on ticking. Way different scenario, though.
I am interested in your thoughts....

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