If you choose to buy extended, definitely the YES. Talk to your dealer, they should be more familiar.
Out of country? Try a read through the literature the dealer has, and or read whatever is posted at Yamaha's site.
The dealer in TX that some a good number of bikes to forum members on fly and rides had some of the best pricing I have seen, within a very few bucks of anywhere. I don't recall his user name and too lazy to dig, look in the bike order forum. And too, ask him about out of country warranty repairs. I believe the YES to be closer to an extension of factory coverage vs an insurance plan like the credit union and most aftermarket coverages are.
I generally do not buy extended coverage, but I put on enough miles to ensure any kinks are sorted in the first year of ownership. In this case my dealer steeply discounted the YES due to the delay in shipment, so I snared it.