This. I made the mistake of buying a 1tb iPad Pro but literally no one would touch but apple when it was broken and at the time apple stores in my city were closed and when I had problems when they were open they have no choice but to mail it in which takes longer than fixing normal products. With that said Apple’s express replacement‘s program that witholds the amount of the device in your bank is a huge setback in my book to an extent, the charge doesn’t go away after a week of receiving it.No normal person can do that, or have access to the chips. Actual Apple repair centers don’t have access to chips for repairs. The average person will never be able to get the chips, never mind the process of doing the upgrade (or necessary equipment to do it).
This relates to the M1 chip because it just bottle necks it to Apple only which at the moment don’t swap or fix your item at the store with apple care Considering their internal tests show otherwise.
I have Applecare + but I also subscribe to Asurion Home Plus(which are the ultimate electronic insurance ever!)