@mulveling is correct, speaker warranties are of little import. His advice to stash drivers is sound, however drivers by and large don’t fail unless abused.
That leaves the crossovers. Unless you rock Thiel CS5i, crossovers are simple circuits that are easily fixed / refurbished.
My speakers are 42 years old. I play them loud. I like loud impolite music. I have no spare drivers around. I rebuilt (and modestly improved) my crossovers in my spare time. Will I experience a massive driver blowout tomorrow? Maybe, but I’ll cross that bridge if and when I get to it.
I once said that any audiophile worth his salt should learn how to fix their own gear. I was roundly flamed for that, but let me say this: if you are in fact going to fix your own gear, your speaker crossovers are the best place to start.