Buying wife ipad for her birthday. If i buy her the apple care it's 99.00 plus tax 107.00 this would extend coverage one year. Is that very costly for one year? I think i paid the same for my 27 imac quad core. If something is broken usually happens with in the first year. I don't see if second year going to be that critical. 3rd or 4th year maybe not sure which way to go!