One of the problems with being a first-time hearing aid user is that you have no idea whether you are someone who is going to get a lot of breakdowns, or someone who is not. In my experience, the frequency with which hearing aids need to be repaired is somewhat dependent on how well they are cared for and a whole LOT dependent on the environment of the user’s ears. I see some individuals who need their devices repaired once a year and have been that way for their last N sets, whereas others hardly ever see breakdowns. It seems more person-specific than device specific. Because you don’t know which category you’d fall into yet, if you are going to get something with questionable warranties, get something on the cheaper end so that if it breaks down within a year it will feel like less of a hit.
Also, if finances are an issue for you, talk to your provider. Many providers seem to recommend the newest, best thing. That doesn’t mean that they don’t have access to more affordable options. TELL them that you can only manage $3k right now and see if they can do anything. And the differences between technology levels is not as big as manufacturers would like you to think.