Anybody know AppleCare's stance on out-of-warranty image-retention-impacted hardware?
You mean past 3 years? (assuming you include Apple Care for your mac). Unless it turned into a recall, or was a reoccurring issue that Apple has previously tried to fix on your specific machine... probably "your on your own". I can't speak in absolute terms because I don't know for certain, but based on my experiences I would expect them to act like that. All the more reason to discover it as early as possible and not ignore "a little IR".
I wish everyone with the 2012 27 and 21.5 iMac would test it and post their findings so we can start to get an idea of what is going on. It would certainly help those with IR and are scared to go thru a return feel more confident about getting a replacement or repair if they are a minority.