I just sunk $4000 into a loaded M3 max mbp16 and buying it without AC+ is too much of a gamble for me. Since everything is soldered into the logic board, any kind of failure is automatically a $1000 hit while on a pc laptop, I can easily replace the ram or ssd of they go bad along with the keyboard and even the screen relatively cheaply.On my 2018 MacBook Pro, my logic board went out. It would have cost me over 1k to replace it. For this reason, I am glad I bought Apple Care. I just bought a new 16-inch MacBook Pro M3 and will buy AppleCare before my 60 days are up. It's one of those things, like car insurance. You may never use it. Yet, when something happens, you are glad you did have it. For others, it's peace of mind.