I bought both an iPad and iPhone about the same time. My iPad never leaves the house and has a very protective kiddie case. No Apple Care required for me. I rarely leave the house, my iPhone is in a protective case, but the phone is glass and I am clumsy. This is not a $12.97 Walmart burner! I have Apple Care. I always have it in a zippered pocket in cold weather or zippered hip bag in cooler weather. Still, I am clumsy and despite the excessive co pay, the Apple insurance gives me peace of mind. My iPhone is just for calls/text so there is zero personal information on the phone in case it is stolen. I have the Jango Radio app for music via Bluetooth and one game. I don’t use Apple email or messenger.