The parts switched away gets recycled free of charge, or better, they go to markets like India and whatnot to subsidize the refurbished products. It’s a win-win situation. Macs are pricy, but you are not just paying fir what you use but also subsidizing downstream of the Mac lifecycle. Your Mac the parts are not dead in the landfill when they leave you.
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You can always backup your files and when it breaks use your backup MacBook. If up time is mission critical, of course you need redundancy solutions. Even google doesn’t just keep one copy of the files for G Suite user. Mine gets stored in 4 datacenters, with a cold one in Russia federation. Same with your MBP, have backups if you can’t go blank.
Premium credit cards from Amex Platinum, Chase Sapphire Reserve, etc offer extended Warranties. If you are not eligible for those then, get Apple care.
If your country doesn’t have an Apple Store or Apple Authorized retail store then Apple is not supposed in your country, the service is not for your use in that country. It’s like claiming your lighter doesn’t work in a swimming pool and it’s manufacture’s fault.
You can always use a protective silicon cover over the keyboard if you can’t afford to break it.
For me, line up solutions with the assumption that it will break, and there is no way around that. Life gets a lot happier that way. If it doesn’t, it’s a bonus for the insurance company.