My Applecare+ is running out on my X so I figure it will be worth a lot less next year if I go to sell it then. I want to go for an 11 Pro Max but I am trying to figure out if it makes more sense to buy outright or join the IUP. I plan on upgrading next year too but my question is, from a financial standpoint, is it better to buy outright and sell next year as opposed to paying $60/month over 12 months then upgrading on IUP? I would get 3% cash back on my Apple card whether I buy outright or on IUP. I don't mind the inconvenience of selling if it makes better sense financially to buy outright and sell again in a year vs trading in for an upgrade. What would you guys do?