How often do you actually need a repair from Apple? I used to buy AppleCare but stopped in the last few years and have yet to need any repairs done except a battery replacement on a 14 Pro that I was giving to family.
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.
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.