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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.
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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." 
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