Am I crazy?

Been looking at a 2018 raptor with 125k miles on it for $38k.Took it on a 3 day test drive and everything seems to be in great condition, besides the transmission, which most likely just needs to be flashed back to OEM. The issues is that the seller is CarMax, they don’t allow third party inspections, which was the only real way to know the truck was sound besides trusting Carmax’s inspection. Am I crazy to consider this as CarMax offers a 90 day/4000 miles warranty?

Thoughts?