I can certainly appreciate what it's like to be "ridiculously cautious" with gadgets and I'm reassured that I'm in good company. When the lock button failed on my iPhone 4S during the second year, it could have passed for brand new. I guess what I mean is I don't even consider the possibility of accidental damage when I buy Apple Care+. I bought Apple Care for my Watch because I enjoy the peace of mind, have had some Apple items fail, and want to enhance my resale options, but Watch is a device Apple has never made before and for which there is no track record.