I have it because 1. These are expensive devices and 2. Much cheaper to get it repaired or replaced if it’s stolen.

No, 6 iPhones over the past 15 years with no case and no apple care.

Insurance for a relatively inexpensive repair is not worthwhile for me, especially knowing there is a virtually 0% chance I will ever use it. It’s not like I’m insuring a $40,000 car or a $300,000 house.

Nah, i don’t see a Point in giving Apple even more of my Money after buying a Phone for a Grand or more for Applecare & even more later for a Replacement Unit 💀