Would never buy a Mac with dedicated GPU without Apple Care, especially 15" MBPs are prone to failures associated with the GPU.
The iGPU models on the other hand worked flawlessly for me and many others and as I'm inside of the EU Apple Care would only add 1 year of warranty on top of the mandatory 2 years...
The only issue with the 2 year EU warranty is the burden of proof is on you after 6 months to prove it was defective from the start which means you probably need to get an independent report, adding hassle and delays. You also have to deal with the seller (which may not be Apple)
I guess it depends how much you value your time - personally, I'd rather pay the money for AppleCare knowing that if anything happens for 3 years it'll get sorted out without any hassle. AppleCare for desktop machines also provides onsite coverage which is a valuable benefit