Rim and tire is a MUST here in NYC.
If your leasing, Dent/Dent is a good idea (still kinda getting ripped off, but, its NYC, people have no respect for anything that isnt their own, and it beats the headache of having to bring your car everywhere for every little bumper chip and parking lot "dbag hit my car and left" mishap).
Xyzllion + is ok if you can get a good price. But its basically a high quality detail/sealant that lasts about 2 years.
Maint upgrade skip definitely, dealer repair skip, road hazard skip (if your a AAA member).