Old thread I know, but I was impressed by josh's comment
"$100 for warrenty + ~$50 for case + +$50 deductible = $200 easy to keep it safe. Saving a POSSIBLE $100 for a $300 replacement we don't even know will be needed."
It's good to look at the #s from a different standpoint as he did. I've always gone with some sort of Apple Care or Square Trade protection, but this definitely gives me pause.
Now, I think the #s may need rethinking, right?
You'd want a $50 case in any event as screen protection, especially if you DIDN'T get AC+ or ST. So, that's not part of the costs.
So, we're looking at $150 ($100 plus $50 deductible) for guaranteed coverage of a $400 or $500 item... that's still a chunk. However, if indeed Apple charges only $300 to repair an iPad (replace a screen?) then it would be
$150 vs. $300.
Of course, a big factor is that I know believe that a repair *will be needed*!! Even if it's something as simple as a home button not quite working well.
I was glad I had ST coverage on an iPhone 4 as it meant a no-fuss, no extra cost, < 1 week repair to get back my iPhone working like a charm again! And it saved me the hassles of trying to find some place to repair it and pay out of pocket.