If you cannot sleep easy and worry about paying a few hundred dollars for an out of warranty replacement then you have bigger issues and shouldn't be buying an iphone to begin with.
$99 for applecare and $79 deductible to get a replacement iphone its $178. Versus $279 paying for a replacement at Apple. So if you're really worried about $100 that much then most likely you have other bigger problems than that.
I purchase AppleCare+ not for the + part, but for the AppleCare part. Ever since Apple discontinued regular AppleCare for Mobile Devices (iPads, iPods and iPhones), you can only buy AppleCare+. Whats even worse is you only have 60 days to add AppleCare+, so when I tried to purchase it for my brother's iPhone a couple weeks ago, it couldn't be done even though he was constantly told that he could add AppleCare within the first year. Honestly the + part it worthless to me because I always baby my phone, always use a case and always use a screen protector.
iPhone 5s out of warranty replacement has been $269 for the entire year.
Apple only changes OOW replacement prices once per year when the new generation iPhone comes out (bumping the others down).
Incorrect. The 5s has never been above $269 for an out of warranty replacement.
Oops my bad. I'm still curious to see if they change it because the new phones are bigger and more expensive to produce. I doubt it though, the replacement cost has been the same from the beginning IIRC.