Actually Actually Apple Care is $183 on your MacBook Pro 13" for 3 years of coverage, which works out to $61/yr, or about five bucks a month.
Instead of taking a 25% hit on my Mac, I sold my last Mac for only $50 less than I paid for it, because it still had almost two years of warranty left, with tech support.
$1200 - 25% = $300. $20 x 12 months = $240.
Your combined depreciation costs are $540.
My investment in Apple Care + depreciation = $233.
Less than half the loss, plus the peace of mind of extended coverage, plus free tech support beyond the first 90 days, and the option of keeping the Mac for a longer period of time without out of pocket costs to repair or replace.
The monetary math is clearly in favor of having Apple Care. Difference saved is $307. Even if the depreciation were hundreds more, to the point where it were the same costs, you still come out ahead having Apple Care.
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