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I don't think you're getting it.
ITS FREE.
It covers plenty of things again for free not for $150-$200.
You ever heard the saying Don't look a gift horse in the mouth?

I get It’s Free
I have WF But our business cells do not
I don’t receive any compensation or joy if you use AC+ or not
Forwarned is Forarmed, best wishes
 
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So I really can't see what advantage AC has over using the WF card other than having a bad battery. Is that alone worth the cost of AC? For me it's not if WF covers my accidental damage.
AC+ also gets you access to 24/7 tech support for any problem you are having at all including any problems with your Apple ID. For most here they don't need that level of support. But if you do, then it is available with AC+.
 
You are now aware Citi has the best free extended warranty in the credit card business, followed by AMEX and Chase
 
AC+ good for replacement of backs of iPhones X XS XS MAX. as well as screen replacements. Also remember the dot projector etc in the notch are also expensive to replace without AC
Credit Cards offer extended warranties a few of loss protection but be sure to read the fine print
 
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