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All the more reason not to buy one.
Well, I don't think that's a reason not to buy one. You buy a utility that fits your needs. Plenty of non-Apple gadgets also carry expensive out-of-pocket component/repair cost, assuming the OEM even made it available, with many would have you wait for months for parts.

It's more reason to put the cost of Applecare into your budget if you are interested in the iPad Pro. It definitely puts the iPad Pro up in its tier above the reach of casual users. I mean you really have to think of it as an actual productivity machine at that prices. It's no longer that $500 device in-between a phone and a laptop (referring to the original iPad announcement by Jobs).
 
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Screen coatings and keyboards don’t care if you have an M1 or Intel processor inside :)
The screen coating problem of the butterfly MacBook Pros is actually a manufacturing defect acknowledged by Apple. My brother had that exact model and Apple repaired it for free.

Same for the failing butterfly keyboard. Free repair program.
 
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The cost of deductible and increased premiums for multiple years is significant.
Well I’m not sure, because you can also get insurance to protect against that issue also ...we’ll here in the U.K. you can for about an additional 5% premium costs.
 
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Applecare is a no brainer on anything Apple. It’s especially great now with monthly payments.

Only if you live in a country with crap basis warranty laws. We got 2 official ones and for a product of this price you should expect 3-5. Note that getting waranty during the 3-5 years may get resistance from the seller and requires persistence and possible (threathing of) lawsuits.
 
Applecare is a no brainer on anything Apple. It’s especially great now with monthly payments.

My rule of thumb when buying warranty is to spend no more than 10% of the product’s price on it. As such, I haven’t gotten AppleCare on any of my apple products save for my 2 iMacs.

I will take my chances, and it’s worked out pretty well for me so far.
 
Basically the device is built so that it should not break. If you still have it broken, then you can get a new one without paying Apple margin again.

As much as I dislike the impossibility to repair the device, I must admit that I never had to repair an Apple device since my Apple II in 1981 (I had two devices that had malfunctions and were repaired for free by Apple: Blue G3 tower and a recent SE).

edit: I also had a MacBook Pro screen repaired under warranty (stage lights effect)
 
you think Apple wouldn't price an extra year into the cost of the product?
If the product is correctly built, the warranty cost for the company is quite low. Of course it only covers what is linked to product design and fabrication, it does not cover when the product is broken by the customer.
 
My rule of thumb when buying warranty is to spend no more than 10% of the product’s price on it. As such, I haven’t gotten AppleCare on any of my apple products save for my 2 iMacs.

I will take my chances, and it’s worked out pretty well for me so far.
Agreeing with your approach completely.

Since iMacs usually aren’t being moved. That’s why the insurance premium (AppleCare price) is cheaper.

the money I “saved” for not buying AppleCare plans for my Apple products is worth several Macs. Lol.

Extended warranty programs in nature are insurance plans and should be regulated in the same standard in my opinion. On the other hand, I’m sure Apple’s AppleCare business is a very big insurance company if it’s a separate company.
 
Since iMacs usually aren’t being moved. That’s why the insurance premium (AppleCare price) is cheaper.

And because I tend to opt for the higher-end models.

Funnily enough, if my Apple products do develop issues, it’s typically within a year of ownership, which the default applecare plan covers.

Here’s my history:
First imac - dead screen that was replaced by AppleCare. The guys actually came to my house to collect and return it after it was fixed. Pretty cool.
iphone 6S+ - dead motherboard. Replaced FOC by Apple.
Apple Watch Series 2 - problem with paint peeling. Replaced by Apple (but it took me 3 tries).
AirPods - replaced twice because one side died and ended up draining the case battery along with it. The first time, only the AirPod was replaced. The 2nd time - Apple replaced everything.
Magic Keyboard (imac) - sticky key problem, but Apple replaced it as it was within the 3-year warranty of my 2017 imac.
Smart Keyboard - had issues which was recognised and replaced by Apple.

So am I lucky or unlucky here?
 
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AppleCare used to be an insurance. Nowadays it's a mandatory subscription in addition to the hardware you just bought. Repair costs are completely disconnected from what the Apple's actual costs are.
 
It's consumer law in many countries.

I've had free repairs done long after the one year manufacturer warranty in both the UK and here in New Zealand. I had a 2 year old MacBook Pro repaired in New Zealand, and a 3 year old MacBook repaired in the UK.

It's part of the Consumer Guarantees Act here in New Zealand. It's illegal here for any manufacturer to limit repairs for faults to one year. Apple acknowledges the extra consumer protection you get on the local AppleCare pages: https://www.apple.com/nz/legal/statutory-warranty/ for New Zealand and https://www.apple.com/uk/legal/statutory-warranty/ for the UK. You'll see the Uk pages say you're entitled to free repairs for up to 6 years, and for New Zealand there is no upper time limit prescribed in law.
And here's the part that every one on MR who chants about the UK Consumer Law neglects to post. Because it would be that Cut n' Dry (6 year free repairs) then there would be no reason for Apple to offer the Applecare Plus program in the UK. See below the section you didn't post.

From Apple in regards to the Consumer Law:
"Any defect or non-conformity of goods with the contract which becomes apparent within 6 months of delivery are presumed to have existed at the time of delivery. After the expiry of this 6-month period, the burden to prove that the defect or non-conformity of goods with the contract existed on delivery generally shifts to the consumer."

This is exactly how this forum gets misinformation about the UK Consumer Law. It's a lemon law, not a warranty repair contract. The USA has a lemon law as well. Often people here say the UK gets a 6 year warranty when that simply isn't the case. The customer's Apple product must show it's issue within the first 6 months from original ownership. If after the 6 months the customer must prove that it was an actual issue with the product out of the box. BTW it has to be the same original issue, not multiple issues within the 6 years. That's why you get a 6 year lemon law. If after the first 6 months that Apple repaired the product the same issue returned a year later then that's what's covered until a full resolution of the issue handled. So you don't get a 6 year warranty. The 6 years is to resolve the original issue discovered within the first 6 months.

Like I said, if the UK Consumer Law acted as 6 year warranty then there would be zero reason for Apple to offer Applecare.
 
By fault he means defect that were originally there. That’s covered for 2 years (or even more in some countries if the defect was hidden)
That's not at all what he said. That's why I questioned it. But you're right, it has to show that the problem was originally there out of the box and within the first 6 months. The 2 years works the same way as the 6 years. The issue must be brought to Apple's attention within the first 6 months. If Apple repairs it and the same issue shows up during the 2 years of ownership then Apple must repair or replace.
 
I think the point most people are making is that Extended warranties in general are priced such that the house always wins. If you were to buy an extended warranty for every device that you were offered one for, you would spend more than you would spend just covering the occasional issue you have along the way yourself. It looks like a good deal, but it never is.
You may not like what I am about to say but you have to understand that Apple (like any other company offering warranties) is running a business and if it was so simple as to offering customers an extended warranty for far cheaper than the repair cost and the customer used the warranty consistently then companies would run out of business. Of course the house has to win in the end. You think casinos are setup for the customer playing the games to break the house?
In terms of warranties it's a per consumer basis. You're looking at it as a whole in terms of the house winning. There are a few times I've had my MacBook hinges break. My iMac's screen needed to replaced a few times due to clusters of bad pixels accumulating and the Applecare warranty came through because these issues happened after the first year of Apple's included warranty. I am the one that came out the winner in the end.
 
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