Hi just to preface my question, I HATE INSURANCE COMPANIES (legalized extortion/"protection money") - and thus i am skeptical of warranties. Anyways, now to my question. Apple's warranty is 1 year. But is the hard drive inside not under it's own manufacture's warranty? I mean, most hitachi or seagate drives have a 3 year warranty. If the hard drive fails after apples warranty has expired (say 2 years) - could you not remove the hard drive yourself and get it replaced through manufacturer? another question. Anyone used AMEX's extended warranty successfully? Supposedly it adds a year to the warranty when you purchase item on card. So if I buy my computer i would have 2 years warranty (extra year through AMEX). That being said, i'm sure they would find some "reason" to NOT honor this policy. Anyone actually been in this boat and had luck? Excuse my negativity, but i am very skeptical of companies making promises they don't keep.