hey guys long time lurker, first time poster. 'bout to make the switch (macbook pro) and couldn't be happier. my question is, since apple doesn't offer "oops i stepped on my screen while i was walking to the kitchen in the middle of the night insurance" what other options do i have to cover this beautiful machine? adding something on my insurance policy is a no-no because i'm a renter. but i do have an American Express card and was wondering what kind of protection it covered me with. i know they have extended warranties and the like but do they offer accidental damage coverage? what about "OMG leopard came out and they added some awesome stuff I should have waited" insurance like with these iphone early adopters who are getting the full $200 back? thanks.