It may end up cheaper NOT buying AppleCare, depending on how rough one is with the phone. AppleCare will not replace the battery until it's below 80% battery health. Given that it could be more than 2 or 3 years before your battery goes below 80% health, you may not recoup some of the cost for having AppleCare.Get Apple Care and charge it how and when you want. Simple as that.
The cost of replacing a battery through Apple, without AppleCare is just $99 and you can certainly ask them to replace it before it's below 80% battery health.
Over a year ago I went on an international trip. My battery health was around I think 83% but I wanted a totally new battery because I know I will be running down that battery everyday when I travel. Got it changed for a little over $99 when including taxes. If I tried to do that through AppleCare, they wouldn't allow it.