My advice is don't buy from either of them! Do this:
Buy from amazon.com with your VISA card which will give you two years of warranty right from the start and often allow you to extend it through VISA after the second year(check with your card issuer, but usually platinum cards and above have this extra warranty service - all cards seem to have the automatic double warranty service) . Also, you will save significant amounts of money by getting it from amazon: $150 rebate on the already slightly lower price, no taxes and free shipping - that could be $300 saving right there and certainly enough to buy either the extended warranty through VISA (highly recommended and with a no lemon/replacement policy, battery replacement policy and just great service) OR applecare. Also, Amazon has a great return policy for items with any kind of defect.
All this for less than just the computer from apple or bestbuy!
You make a very good point - as long as the reader considers that the warranty without cost, does in fact have a cost. The cost is: time.
There is nothing like the feeling you get when you bring your workhorse mac into the apple store and the genius fixes it on the spot or over night.
If you use your mac to do work and make a living, and you choose to rely on third party service organizations, don't expect them to be able to fix it fast.
An alternative is to buy and keep a spare on hand and rely on the third parties.