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.