With regard to the advice to purchase AppleCare with your iMac - I couldn't agree more. The iMac is a highly integrated device with a physical design that does not lend itself to easy access and repair. I'm sure that the Apple cooling design keeps the components within their maximum allowable operating temperatures, but even so heat does have a cumulative effect on reliability over the years. I would not want to pay for a GPU or display fault on an iMac. At $150 or so, the AppleCare coverage seems reasonably priced.
On a Mac Pro, however, AppleCare may not be such a slam dunk purchase. It is more expensive ($250?) and actually covers less. The advantage of a Pro is the ability to use a monitor of your choice, and the monitor would not be covered. The AppleCare pricing on the Pro seems to reflect a hardware configuration of a high-end user with lots of processors and other performance enhancements. If I go with a Pro, it would be a simple quad core, a small SSD and only one monitor. Given that the cooling design on the Pro is more conservative than on the iMac and the service access better, I think I'd skip AppleCare in this case.
On a Mac Pro, however, AppleCare may not be such a slam dunk purchase. It is more expensive ($250?) and actually covers less. The advantage of a Pro is the ability to use a monitor of your choice, and the monitor would not be covered. The AppleCare pricing on the Pro seems to reflect a hardware configuration of a high-end user with lots of processors and other performance enhancements. If I go with a Pro, it would be a simple quad core, a small SSD and only one monitor. Given that the cooling design on the Pro is more conservative than on the iMac and the service access better, I think I'd skip AppleCare in this case.