There's nothing wrong with getting AppleCare. I have AppleCare on my MacBook Pro, and got it because I hadn't owned a laptop in a long time and wasn't sure how clumsy I might end up be using it outside of the house. Same with the first time I got an Apple Watch because I was convinced I'd bash it against something and break it on day 1. Which I didn't, of course, so now I don't get AppleCare on my Watches.
Remember that extended warranties (which is what AppleCare is) are huge profit centers for companies. The rule of thumb is under 10% of people will ever actually make a claim on that warranty. It's up to you to decide if you like those odds or not. If not, you could always take the money you would spend on AppleCare and put it in a HYSA. Leave it there for the same length of time as AppleCare covers—2 years, 3 years, whatever. If something happens, great, you've got at least some of the money you'll need for the repair. If nothing happens, at the end of that time period you still have all that money. Go spend it on something nice.