Again, as one of the previous posters said, Applecare Plus @£200 is my case.
If I use it without a case and after 6 months it gathers me to scratches and a technical fault, Apple Care will overnight be a refurbished device which means all those micro scratches vanish.
I always get AC+ but have never used it. I’ve often wondered about my phones getting scratched. It would drive me nuts! I’m interested in what “technical fault” you can develop to get your phone replaced?