You mock him because he is a responsible owner that doesn't crack his screens or get them wet? I have never broken a screen on any of my iPhones (any phone for that matter). IF the matter is a hardware issue apple WILL replace it for free in the first year. That's the entire point of a bumper to bumper replacement policy such as apple's. I think AC+ is a waste of money but do typically purchase AC near the end of my first year of ownership to expand that hardware replacement policy for the 2nd year. I don't need to talk to anyone on the phone so couldn't care less about phone support for 2 years. He never said Apple will replace it under any circumstance, simply said he has always had a replacement when he needed it. It's cool though, I can appreciate your sarcastic attitude, I'm the same way.
I would agree with you with the exception of one point - as you, I have never damaged my phone in any way (it is out-of-the-box pristine). To put it crudely...s**** happens, and that's why I buy AC. Also, as a relative newbie to all things computing, the phone Tech Support is important to me. My calls pay off the cost of the AC many times over.
That being said, I appreciate your points and agree (excepting the unpredictable possibility of damage, not matter how careful) that for those who are careful, and do not need tech support, it is really a "just in case" decision...which can go either way.
(Please note...a momentary lapse in sarcasm. To resume at the soonest possible moment