Agree with the consensus. Credit card warranties are great, but they do make you jump through hoops. They are not trying to foster goodwill with the defective product's brand, so it's in their best interest to make it challenging to make a claim. That being said, it's pretty much free. And insurance is supposed to cover disastrous failures which should be rare.
Applecare gives the benefit of nicer tech support if you purchased if that's what you want. If you just want to cover failures financially, the credit card benefit is good enough (and free). I got AC for the tech support and assumed nicer care (assumed decreased downtime), not necessarily for financial insurance even though that's always nice. Don't get it if you're just interested in CYA on an expensive repair if you have a credit card extended warranty.
The general prudent advice is that warranties are never a good financial decision. There's a reason that companies are very aggressive in selling them, they are profitable. But don't subscribe to this as a blanket statement for everything. It depends on what your tolerances are, your financial situation, benefits of specific warranties from item to item, and dumb luck.
Thank you for your comments and insight. I double-checked with DiscoverCard that their extended warranty does apply to my eBay purchase of a used MacBook Air 13" early 2015 which is still under AppleCare warranty until mid July. When I bought my first (used) Apple MacBook Pro 15" early 2008 in 2009 it was covered under a three year extended warranty from prior owner's warranty from Best Buy. Later, I had to replace the MotherBoard in Dec., 2013. Unfortunately, the warranty already had expired, but Apple replaced it for about $300. This was before they stopped supporting and fixing my computer model.
So, I have a little time left to decide about AppleCare for two more years of coverage. At this point I am leaning to just having the one extra year of warranty coverage from my credit card.