I wasn't able to purchase AppleCare+ when I preordered my 4s last Friday, but I'm starting to wonder if it's even worth the money. Are all 4s's (16, 32, 64) covered under the $200 replacement fee? For someone who upgrades nearly every year (by swapping with wife's phone #), isn't it better just to take the risk of $52 than to fork out $99+$49 in the event of an accident? I've had every iPhone and have only dropped one once (on a brick, lol...luckily very minimal damage). Is it just a difference of ~$50 if I take the gamble or is there more to it?