I purchased a Mac mini server 4 months ago. It was the 6th mac that I have purchased, all without Apple Care, never thought it was worth it. I tend to upgrade as soon as a new model comes out.
I bought the server to set up a home network. I had no idea how to set one up so I have been reading up on servers and playing with it these past few months. I had things "kind of working" fine, but wasn't sure if it was really "right". I started to have a problem with it the other day and couldn't figure it out, I was sure it was some setting that I had changed...
I decided I needed help, so yesterday morning I called Apple and took out Apple Care on it ($162.04) and then was immediately transferred to a Mac mini server specialist. 2 hours and 5 minutes later, over the phone, we had it running perfect. We (he) basically had me remove everything and rebuild it, changed all the settings from my Time Capsule to my server and as we reset things he would explain why, etc. I still have to redo some settings using dyndns but he suggested that I talk to an "enterprise" guy at Apple for that. I figured 2 hours was enough for one day, that will wait for next weekend.
What would it have cost me to hire someone to do this for me? Probably more than what I paid for the Apple Care, and I can still get help (for the next 2 1/2 yrs.) without paying any more. And I learned a lot in the process.
So, Apple Care isn't just for the hardware, it covers a lot more than that.