I just recently purchased my first iphone (the 5 from T-Mobile). We typically never buy extended warranties on anything. But I am seeing a lot of references to Applecare + on this forum. It appears that it is $99 for an additional year of support and 2 replacements at $49 if the phone breaks at my fault. Is that right? I am not sure I am willing to add another $150 to my phone price but please help me understand why this is so popular. Should I expect that this phone won't last 2 years?