I have never done Apple Care on any phone or watch I own. I have never destroyed a phone or watch. I did have a cracked screen on a 5 that I replaced and a smashed screen on a 5S, but the cost of those together did not add up to the cost of Applecare over 10+ years. It just isn't worth it for me. Now that the phones are more durable, it is even less worth it. I slap them in a case, and put a glass screen protector on, and I am good to go.