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Get AC only if you're keeping it 2-3 years. Or get it later.
Alas, you can only get if within 30 days of device purchase unlike before when you can get it within a year. On the upside, it does have accidental damage coverage now. :)

If you don't need the accidental damage coverage, check if your credit card offers extended warranty.
 
i always end up getting ac+ cuz I'm always worried about accidents .. with ac+ i can tend to be a bit more careless
 
I say ac especially if reselling dowm road. Really makes it easier to resell when people know it has applecare. Ive had to use it a few times over last few years( 4 kids make it interesting). Saved me.
 
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