I believe you're going to find that Spyders are notorious for making a loud 'clunking' sound when first shifting into gear, either forward or reverse. My 2017 F3L was so noisy at first as to be scary; I kept thinking "What broke?" 12,000 miles later, it's still making the same shifting 'clunk' - just part of starting up. Let your machine warm up a bit before you move off; it won't be as loud. Ride more, worry less. BTW, I have never bothered about going to neutral when shutting off. On starting, the Spyder automatically puts itself in neutral. The 'clunk' comes not from turning over the starter, but when shifting into gear. When it's running, my 1330 engine almost sounds like a blender, or sewing machine, somewhat louder than I had expected, but just another trait to get used to.
Most folks seem to believe in buying extended warranty coverage; the biggest part of the debate seems to be more about cost than about having it. There are fairly wide fluctuations in price asked. All that said, the time to really be concerned about the amount you pay is BEFORE you sign the contract, NOT AFTER. Having made your purchase (whatever the cost) you should now only be out ryding, having fun. Get out on the road and enjoy what you spent, even if it was your last dollar. Enjoy the passing scenery. If you spend your time grudgingly regretting an extra $100 or $1000 you might have saved, you'll never really experience all the fun your Spyder can be. Ride now, and make up any lost difference on your next deal. Have fun, be safe, and welcome to the Spyder experience.