Regards to wind shield protection...some auto insurance will cover those for couple bucks a year... I am not sure the exact price but it's very cheap if you want to add windshield coverage.
Tire & Rim... Are those chromed? If not, and you do'nt have low profile tires, then I think you can take some 'risk' and not buy those insurance. I've driven 4 vehicles each over 8+ years of ownership, none of them had issues w/ the rims. Knock on wood ..I haven't scratched my rims against a curb 'yet'

. As w/ tires, I did get a couple flat ties (wonder who put those nails and bolts on the gound ... and all of them were able to patched for $10. It happened to me ONCE over the last 30yrs that I had to actually buy a new tire because the bolt was too far towards the sidewall. Some tire shops do provide tire insurance against flat tires and I think those charge some 30 bucks or so....
Personally my conclusion if I were being offered by the dealership on these 2 items / services..I will decline.
As w/ Dings and Dents... I do get those QUITE OFTEN . and it pisses me off. it cost some 150+ to take care of the dents (per panels). Now maybe you could read the coverage in detail how often you can get the dents cleared out if u get the coverage...or how many dents it has to be per panel before you can get it fixed....ask what if you get a ding every week...can you go to get it fixed every week? If they can lower the price for this to 400 or so over say 7 years..I will definitely get it since like I said I always get dings and dents on my vehicles...and I like to get them fixed.