You have to include Applecare+ or you're buying a phone without a warranty. That's another $150 i think and then tax

When people compare phone prices, they don't count extended warranties in the listed price.

iPhones have a warranty at list price; AppleCare extends it and increases the scope of service.

I do agree that anyone who plans on purchasing an extended warranty for any product research it ahead of time so the total purchase price fits into their budget, though, and the same goes for sales taxes.