With rare exceptions, I don't buy extended warranties, either. I've been buying electronic devices since the 1970s, and only two have gone bad during the extended-warranty period. One was a CD player in the 1980s for which I did buy an extended warranty -- but the store had gone out of business, so the warranty was worthless. The other was for a 15" 2008 MPB that had the defective NVidia video graphics adapter. Because the logic board was fried, the Apple tech said he couldn't determine that the VGA was the cause, so I had to pay the standard fee to replace the logic board. As for iPhones, iPads, and laptops, I'm very careful with them, and I've never broken one. I've had a couple of devices fail during the standard warranty period, but electronic devices are so reliable that they usually fail early if they're going to do so.I see what you are saying regarding the savings, I adhere to a similar philosophy regarding extended warranties. I never purchase them for any products. The money I’ve saved over the years is more than enough to pay for repairs or replacement of any device that fails, including my new MBP.
I track the cost over time of all electronic devices, appliances, house, etc., and know my the cost of ownership well.
I still prefer my Apple devices new, but can appreciate those that buy them refurbished. From all reports, Apple refurbs are high quality.