Not so sure about the insurance. I'm at 55k on my 2010 4 cyl Legacy. Original warranty insurance still in force. Just called for an oil change and mentioned the near stall on stop. Said they would have to do a complete diagnostic, then charge me, but surely it is just something that needs some cleaning, like a throttle body. Insurance won't pay unless something is broken.
I.E. they won't find anything but will charge me $150+ so I can get this on the record. I know they won't find anything because it is so hard to reproduce, although it slowly seems to be getting worse.
I never bought the extended warranty before because of this game. I won't ever again.
Hopefully, my CVT will just continue this irritating near stall forever. If not, and it fails after the extended warranty (6 more months to go), I won't be getting another Subaru again.
Other than that, at the 5 year mark love everything else about this car.