Lost/stolen coverage is a huge factor for me. Other reasons for me to choose ATT: declining deductibles if no claims; easy to cancel; 24 hour replacement (I have an ATT store nearby but no Apple store).
I have AppleCare on other devices but I'll never get it on my phone again.
http://www.phoneclaim.com/att/mimppdeductibletiersLost/Stolen coverage is definitely important considering the iPhone X is over $1000!! if you don't mind me asking, What's their deductible when replacing the devices because of a broken screen or if it's been lost/stolen? One thing I like about AppleCare is that the deductible isn't bad at all. I think under $30 for a screen replacement and $100 for full replacement I believe.
Thank you all for your feedback. I really appreciate it!