I am glad it worked out for you, but your anecdotal evidence aside, extended warranties
statistically do not benefit the customer.
Of course they don't! If they statistically benefitted the customer in all cases (or even a majority), then Apple wouldn't offer them because they'd be losing money.
The same of course, could also be said about buying insurance for your house. If you base your decision purely on cold, hard statistics, then you might conclude that you'd be "better off" not getting insurance since such plans are structured to statistically benefit the insurance company (that
is how they stay in business after all), and the majority of policyholders will pay in more than they get out. On the other hand, if you end up being the statistic that suffers a loss and
didn't get insurance, you'd be hard pressed to
really say that you were better off without it.
While not on the same dramatic scale, AppleCare is still a piece-of-mind situation. People pay a lot of money for their hardware, and some of those people prefer a "safe" bet over a not-so-safe bet, even if it means that the "safe" bet may result in them paying into a plan that in the end they may not use. But again, if you end up getting unlucky, the out-of-plan repair costs are often more than AppleCare would have cost you.
Ultimately, the choice rests on the user and the level of risk they are comfortable with. If you don't want to get AppleCare, that's respectable. Best of luck to you. But I don't blame anyone who wants to get it either, nor will I tell them it's a "rip off," simply because I don't know how lucky or unlucky they are.
🙂
One thing I *do* tell to people to consider is that you can get AppleCare at any time during their original warranty, so it might make more sense to wait until the last month or so before deciding whether you want it or not. If you plan on selling and upgrading soon, then there's little point.