Should I bother exchanging it? I have AppleCare+ (2/2 incidents) but I know this will not affect AppleCare+ incidents. The speck is very small, in between the sapphire lens cover and the lens. I just got the phone today (brand new factory sealed box) and they will probably give me a refurbished one instead... I have bad experience with refurbs (dirt under buttons, scratches, etc.) 
