Like Car54 said, Maintenance is a separate policy you have to buy.
Most dealer will NOT give a loaner for a CPO car.
What's typically covered is powertrain (not sure about the tranny), and electronics. The folding mirrors failed on my old X5 and it was covered.
Let me get this straight... You are swapping out parts designed by some of the top engineers in the world because some guys sponsored by a company told you it's "better??" But when you ask the same guy about tracking, "oh no, I have a kid now" or "I just detailed my car." or "i just got new tires."