I disagree. Like I said in a prior post, I’ve had a continuous ownership of iPhones since the iPhone 3G and have a single cracked screen in all that time. I’ve gone without a case, including with the jet black iPhone 7 and came out of that with a pristine phone needing a magnifying glass to see any micro scratches on its jet black exterior.
If I had bought AppleCare all the way through the existence of the program, I’d be out a lot of money. I still haven’t fixed the cracked screen on my iPhone 15 Pro Max and may never do so, so technically, I haven’t paid a dime in repairs in all that time. Remember, insurance is priced so that even when people break their devices, they still make a profit overall from those in the insurance pool, so you’re actually only buying peace of mind, not actually protection. You’re losing money over your total phone ownership over the years if you buy the insurance.
As for a case, I got an iPhone Air. Putting a case on that should be a crime. If I did that, I’d be better off buying a bulky 17 Pro. That would be like buying a jet black iPhone 7 and covering it up. What’s the point of buying the phone?