I'm trying to figure out if Applecare+ is worth it or not.... Does Apple still offer the $200 replacement fee for the iPhone 5? If so, does that cover ANYTHING? Say I drop it in a lake or something? If so, I feel like Applecare+ wouldn't be worth it. If something happens, I can just replace it for $200 vs Applecare+ for $150. Basically Applecare+ is $150 just in case something happens? But if I never drop it, I don't have to pay $150. Any input? Thanks!