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I just purchased AC+ for my new 15" MBP this weekend. The $99/yr was the hook that got me. Paying up front for 3 years just seemed like a bit much of a bite out my back side, but $99 was easier to stomach.

I can't see it for a desktop. We whine about the issues with Apple products, but that's because they're pretty reliable.

The accidental damage portion of it was another added benefit that hooked me in. For a laptop, it means I'm more inclined to take it places and actually use it as a laptop and worry a bit less.

It works out to about $8/month. I waste more money at DD on coffee for me and Mrs. GS than that in a week.

If for nothing other than a security blanket, money well spent.
I bought a MacBook M1 Air this summer. My husband doesn’t usually like extended warranties and thinks they’re a waste of money. But I insisted on getting one for my Air after catching my 15 pound cat sitting on it…while the laptop was sitting closed thank goodness. It’s got a polymer shell case on it but still, 15 pounds of cat is a lot. Our other cat knocked over a cup of coffee that would have taken out our daughter’s MBA had I not gotten to it in time. That laptop is not covered by AppleCare. I felt having the cost of the plan broken down into a yearly subscription made it an easy choice for added protection from catasstrophes.
 
I’m paying $149.99 a year in AppleCare+ for my 16” MBP since I plan on keeping it well beyond 3 years.
 
How does this work if I purchase a machine without AppleCare but instead rely on my credit card to double the 1 year warranty to 2 years? Am I still elligible to buy a year extension with coverage beyond the first 2 years so long as I purchase it within 60 days of the machine's purchase?
 
I just purchased AC+ for my new 15" MBP this weekend. The $99/yr was the hook that got me. Paying up front for 3 years just seemed like a bit much of a bite out my back side, but $99 was easier to stomach.

It works out to about $8/month. I waste more money at DD on coffee for me and Mrs. GS than that in a week.

If for nothing other than a security blanket, money well spent.
I feel like pointing out that with the $99/yr(+tax) is more in the long run than $269(+tax) for 3 years. It's only a savings of $28(before tax) for paying upfront, but that may matter to some. For me it's $28(+tax) I don't have to factor into saving for my upcoming MBA purchase.

Also, it should be noted if buying directly from Apple with the option of using Paybright, paying for AC+ upfront isn't so "upfront" since it is added to the overall purchase cost. Whereas, choosing AC+ for $99/yr while also using Paybright means one would be paying the $99 "right away"(when the device ships), because AC+ in that case is categorized as a subscription and therefore billed separately on one's Apple account.

I haven't decided which form of payment works better for me, lump sum or monthly payments. Just thought I'd throw it out there if others were in a similar position of purchasing soon.
 
How does this work if I purchase a machine without AppleCare but instead rely on my credit card to double the 1 year warranty to 2 years? Am I still elligible to buy a year extension with coverage beyond the first 2 years so long as I purchase it within 60 days of the machine's purchase?
Your credit card warranty has no bearing at all on purchase times etc. You have to buy within the standard periods and will be insured all the same.

AppleCare+ is insurance rather than just a warranty. If you do need to make a warranty claim between 12-24 months you’d have the option of using Apple or your credit card company as both support options will be open to you. Note that AppleCare is getting you accidental damage cover and not just system failures.
 
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