Definitely agreed, to a point. Phones I used to break so often it seemed worth it, although a lot seemingly had to do with device quality vs. me being especially clumsy. My iPhone has been dropped, dunked in the bath, etc. just as much as my past Pixels but is going on 3 years now. I never made it a year previously.

My laptop I'm on the fence about. It's a $3,000 machine that isn't especially robust if dropped, but I haven't broken one in a decade or two. Probably won't pick it up on the next one I buy. The unrepairability of modern Macbooks is what got me to buy it in the first place though. An old Thinkpad I could self-insure for quite cheap because I had the ability to replace any component failure myself. Not so true on the Macbook. I also see it as travel insurance - I can walk into any Apple store in a major city and in theory get a replacement device on the spot. Of course that theory has yet to be strongly tested.

>Insurance for things you can afford to replace never makes sense anyway. The expected cost of insurance will always exceed the expected cost of replacement in the long run.

"Peace of mind" is not free.

Paying ~ten bucks a month to insure my phone and not have to worry about it getting damaged is worth it to me, even if I could afford to replace it if I broke it; because now I just _don't worry about it_.

>Insurance for things you can afford to replace never makes sense anyway. The expected cost of insurance will always exceed the expected cost of replacement in the long run.

Not sure about Applecare but Lenovo has support packages where if your thinkpad breaks they'll send a technician over to your place to fix it within 24 hours. That's definitely worth it for a work device IMO.