Pay $2,170 for your Mac and if it breaks or dies, Apple will replace it so that you can continue your studies, the world doesn't stop turning. For example you're a student, you have $2,500 on your bank account and you need to purchase that $2,000 Mac for your studies? Get AppleCare. Meaning it would be a financial hardship for you to repair or replace it. Now this is obviously true of all insurances and extended warranties, so should you never get it? The exception is the risk of bankruptcy: you should get insurance when the prospect of breaking/losing your Mac would bankrupt you. But what is it to you? Well, to you, that means that statistically, you lose more money when purchasing AppleCare than you would if you were to pay out of your pocket for repairing or replacing your Mac, should it fail. That means that Apple makes more money from the sale of AppleCare than it spends in repairing/replacing Macs under AppleCare. Apple's service branch (AppleCare but also app/movie/music/subscription sales) ALONE represents a business that generates more revenue than Coke or Nike. See, when Apple sells you AppleCare, it makes a profit. Happily enough, the calculation has already been made for you. That's true, and that's why we're considering the extended warranty purchase, but to truly make the purchase decision, shouldn't we consider what the odds of getting those unforeseen issues are, and how much $ it would cost to fix such issues? We can quickly see that the calculation could become quite complex. Where to find that information? Redgreenblue says "there could be unforeseen issues". Now admittedly I just pulled those numbers out of a hat, and I don't know the odds of a new Mac needing a repair at a specific price. So when purchasing AppleCare, you're not purchasing piece of mind, you're purchasing a $170 financial product that represents a $50 value. You have to compare the real cost of your Mac wether you take AppleCare or not: The Mac costs $2,000 and AppleCare costs $170. Let's assume that your Mac has a 1/10 chance of needing a $500 repair while under AppleCare. And where it gets a little complicated is that you'll have to use statistics. So you have to think of the real cost of your computer. IMO, the typical arguments heard in such discussions such as "buy it for peace of mind" or "it's a professional purchase" don't apply. What fascinates me most is that to me, the decision to purchase insurance or extended warranties like AppleCare is not an emotional one.
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