I had never bought AppleCare for my iDevices in the past, but bought it for my 6S.
Applecare doesn't just cover accidental damages, but it also can cover things like logic board issues. As these things get more complicated, there are things that can go wrong on a highly dense logic board.
My annoyance with the iPad Pro is that the Applecare only covers an extra year, just like other iDevices. For a "pro" device, it should at least be at the level of Macs, which give an extra 2 years (total 3 years) of coverage.