One note on the Best Buy plans. They only give you another iPod if you paid full price for it. I had price matched one and it started having issues right away after getting it home. Eventually it died and Best Buy deemed it should be replaced. They not only void out the rest of your Protection Plan, meaning you'd have to purchase a new one with the replacement unit, they will charge you the difference in what you paid compared to the "like" model now.
Compared to that, the -%5 charge seems cheap!