I think I'm right that Emira warranty is three years then you're on your own.
Correct. The bumper-to-bumper is 3 years, then you usually have the option to extend. For comparison, McLaren just upped theirs to 5 years/45k with options to extend.
The issue with Lotus (and many other smaller manufacturers now) is extended down times for warranty claims. If it's something major, you could be watching your warranty dissapeaer while your new Lotus sits in the shop unable to get parts or while Lotus takes their time figuring out how to deny your claim.