Apple is great at fixing things when they aren't working, but take there good ole time doing it. So far, I have had three Mac Pro systems replaced. The first one the case actually strated to color gold/brown because of some heat issues, and the other two were motherboard issues. Without Applecare I would have been out so much money.
All three systems were replaced, but it took weeks for them to diagnose, and then decide to replace them.
The great thing about Apple replacing the systems, is I was able to have my Applecare transferred to the new system, and was allowed to purchase an additional Applecare warranty.
Funny thing... My 2008 Mac Pro's warranty ran out the end of 2013 lol
It's going to take some time... You will want to get Applecare. Not getting it, you are only screwing yourself, because Apple doesn't care if your system stopped working after the warranty, and nothing you do will get them to fix it at no cost to you.
I'm a freelance designer, and work with multibillion dollar corporations on a weekly basis, and my clients could give a crap less that I had three replacement systems, and don't understand the word "Downtime" They no speaky da downtime lol
I lost a ton of downtime myself. At least you won't loosing more money by getting Applecare if your system should crap out after the warranty, and won't be screwing yourself in the process...