I was speaking to someone who has a daughter working at an Apple Retail store who advised her father against the fusion drive option for the 27" iMac because of the costly repair that would involve a logic board replacement. I then asked him if he would get Applecare and, sadly, he said no. Now, I would get Applecare but the question still remains. What is the cost of replacing the fusion drive out of warranty? Let's just assume hard drive failure 4 years after purchase in my case (1 year after purchase without Applecare). Also, in replacing the drive, does Apple replace both the SSD and regular HD or just the drive that is failing?