I buy AppleCare on each new Mac I buy, without fail. First is because the AppleCare unit does a great job of taking care of its customers & their computers.
Second is because I appreciate the fast turnaround times in the event one must use the service. Twenty years of reliable Macs, doesn't preclude one from experiencing a component failure. With the price of my fully optioned, non user serviceable MBP Retina being over $3k, AppleCare is a must.
Third, I don't care if we're talking about SSD's HDD's or any other component, early failure is always possible. I just use mine, enjoy them, and don't obsess over the "what if's".