Hey...I sell and Buy It!
Just some thoughts about AppleCare purchase.
I am an Authorized Service Agent for Apple (Small independent shop) and I sell AppleCare even though I only perform service not retail sales for Apple.
Is AppleCare worth it...YES!
First thing you should know is that if your going to buy an extended warranty is that it should definitely be from the manufacturer if available. They will support the product much better then the third party companies out there that offer the Big Box warranties.
Second thing is to do some quick math i.e. How much does it cost divided by how many years it covers. For instance, AppleCare for iMac is advertised retail at $169.00 + Tax and covers 3 years total from computers date of purchase. So average cost here is Approx. $56 a year (Not counting Tax). Thats pretty cheap [hardware insurance if you ask me].
Third thing to consider is that unfortunately as Apples Distribution channels open up, and demand for products go's up, quality may suffer and ultimately if enough service centers are not in place, repair times will grow longer.
I know one article above I saw was for a person who was ripped that their G5 is taking a week at the service center. Here is something that most people don't know and should: Apple punishes Independent Service providers when any mistakes are made in the diagnosis of a product. So if his G5 is at an independent shop, they may be taking extra care to nail the repair the first time so that Apple doesn't hammer their compensation for misdiagnosing a repair. One other thing to consider in that situation is that the repair depot is at the mercy of Apple for warranty parts. So if Apple does not have it in stock, then the repair shop cannot get it elsewhere and be reimbursed.
I also have to comment on what I have read here in several posts. Some people have said AppleCare does not cover accidents, drops, etc.. Nor should it. If somebody accidentally drops their computer, spills liquid on it, allows there kids to rip the keys off, etc, why the heck should Apple pay to fix that? I mean really, if you own a Ford, with an extended warranty and you drive it into something, even if its an accident, do you think Ford should fix it under their warranty? Not likely. Computers are tools that require care and should be handled as such. I cannot tell you how many times a person has come into my shop with an abused Powerbook stating that its under warranty like its automatic that we should fix it for free because they were careless with it... Think about it.
Finally, as I stated, I sell Apple Care, and I give discounts off the regular retail price. In fact I give great discounts because it guarantees me service down the road. So if you don't like the AppleCare advertised price shop around. It never hurts to ask if that is the best price.
BTW- I buy AppleCare for all my units and I have about 20 of them. So I practice what I preach🙂