I've never bought Apple Care for anything -- don't really see the value in it esp. if you use a credit card with an extended warranty feature (used that a few times on my MBPs). When you consistently buy it its just money in the trash can just like any other extended warranty or replacement plan. For self-inflicted things I just "self insure". It's less expensive long term. I can be clumsy but since 2007 and dozens of iDevices, I've only cracked one iPhone screen when I tripped over uneven sidewalk during a run.
Specifically for the iPad, I've owned many 9.7" and a few Mini 2s. I've never had any issues with any of them outside the warranty period. I've had them fall off beds, night stands w/o incident. Buy a decent case and you'll be fine.