[tomduncalf]

I feel it's been worth it for me on my laptop (top spec 16"), I had one of the cursed 2017 butterfly models which I eventually got them to replace with a 2019 model (with a spec bump, which I paid extra for) after multiple repairs. I might have been able to get the replacement without AppleCare (under EU consumer law for example) but I definitely got the sense that it was much easier because I had AppleCare.

I then spilled beer over the replacement and was able to get basically the entire laptop replaced for the ~£300 accidental damage charge. I might have been able to claim this on my home insurance, but again, much more straightforward with AppleCare.

Not sure I'd bother on lower priced items though.