Here’s my take on Apple Care on pretty much everything: Do I ”need” Apple Care? Probably not, looking at it JUST from the ACCIDENTAL damage perspective. I have never made any accidental damage claims. But I’ve had things on the inside go bad. Multiple times, multiple Apple products. To me, “if anything happens, it will happen during the first year” is a silly approach/proposition because if that was the case we would have all of our stuff last forever. You may have a 7 year old vehicle with no accidents, but please don’t tell me that you’ve never taken your vehicle to the shop to get some work done. Accident free doesn’t mean things won’t require maintenance at some point. There’s wear and tear on EVERYTHING we use in our daily lives.
Now, Apple Care for the Apple Watch. AW is a wearable. It doesn’t sit in your pocket/purse all day. It’s out there exposed at all times. Gym equipment, door knobs, seat belt knuckle, engine bay, hard surfaces, you name it. Apple Care+ for the AW starts at $79. That’s $3.29 a month.
What does $3.29 mean to you? Cup of coffee? Dollar Menu at McDonalds? The tip that you just left on a $10 bar tab? I am happy to “waste” $3.29 each month if I end up not making any claims during the ownership of my AW. $3.29 buys me peace of mind. I don’t have to have the “I cheaped out and said no to $79, I don’t want to pay $349 (cellular version) to get my Watch screen repaired and now I have to buy a new AW” conversation with anyone.
TLDR: $3.29/month gets you the peace of mind. Your mileage varies. Good luck.