Insurance is always a gamble. Up to you to do your own math on the risks..

There are three kinds of people

1. people who arguably fall under the definition of careless, or have small children, need repair plans

2. people who are fastidious and nothing ever breaks, don't need repair plans

3. people who are fastidious, have small children, need repair plans

I was a #2 and I'm slowly transitioning into a #3 for specific purchases.

Even with small children, I haven’t really found a need for AppleCare. They don’t touch my devices, and their devices are older iPads that aren’t worth that much to begin with, sheathed with big chonky cases that have survived a few trips down stairs unscathed.