Full disclosure: I work for Geek Squad.
Best Buy does not typically carry Apple Care+. What they DO carry, in my opinion, is a little better. Geek Squad Protection (GSP) which is basically apple care but without the 2 drop limit, also without the additional cost of having to pay out whenever you need a swap.
The biggest potential downside to a GSP is that it takes about 2 days for them to send the replacement phone to the store. Inbetween then there are loaner phones you could use.
Personally, I'd rather know that I could potentially break my phone as many times as possible and not have to worry about whether I'm covered or not.