I'm not sure about the paint protection. The Mini dealer sold it to my wife for her car. I don't think it did much though. Isn't that was a good, quality wax is for?
As for tire protection... it depends on how much it is vs the cost of a new tire and/or wheel (and the condition of your roads). Again, the Mini dealer sold it to my wife. Within 6 months a tire had a bubble in the sidewall - probably from a pothole. The tire was replaced no questions asked. The insurance paid for itself with one tire.
Wheel/tire insurance probably doesn't transfer if you buy different rims, so make sure you like the ones you get with the car.
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