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Rac Checks, Is It Worth It

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I've just put a deposit down on a 54 please RX300 SE-L with 87k on the clock, from an independant dealer (i.e. Non Lexus).

It seams sound to me (but I'm far from an expect), and the dealer is providing a 6 month warantee.

I was planning on getting an RAC inspection, but having seen that 4x4 over 2.5l are £305 for a check, so I'm wondering whether or not I should bother shelling out that cash, or just take a risk.

What do you guys think?

Am I just being tight, and I shoudl fork out the cash for peace of mind?

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