I bet there is a 100.00% chance you are telling the truth
Now see, I don't believe you; you used to many decimal places on 100%!
I also buy Apple care the vast majority of the time. I haven't purchased it on my new iMac yet, because I figured I could delay the extra charge a bit after dropping so much on the iMac. Only two exceptions.
1. My daughter smacked my dad's MacBook Pro with a bead neckless. AppleCare said no accidental damage coverage for the broken LCD, but I was able to cancel the remaining AppleCare, took the prorated refund and spent it on MacService replacing the screen for me.
2. My last MacBook, purchased on Black Friday three years ago at BestBuy. Took their geeksquad coverage because it covered accidental damage and battery replacement for about the same price. Repair turn arounds were slow, as they sent it off to Apple the first time, and their own facility the second (which involved waiting for parts). Overall, I got a new LCD when the video ribbon cable went bad, a new plastic shell due to cracks at the hinge, bottom shell where the rubber separated from the case and a new battery. Well worth it I think!