I had a 2 before for a little over a year, I decided to sell it and do without for a while but I missed it so I just bought a 3.
I have an Oberon leather bifold case both were always kept in. I am a work from home mom and do home childcare. My iPad is either in my hands OR put up ontop of our fridge when charging or not in use. I am very careful but things do happen, although when I sold my 2 it was flawless and worked just fine.
However, the nearly $1000 expense of each device is not something we can easily do, I saved for a year to get my 2 and put my 3 on a charge card. Insurance like Apple care + is supposed to be to prevent financial disaster, and while this wouldn't necessarily be true, we wouldn't be able to get me another one for a long time if it did die or get broken.
Would you get AppleCare+ on your 64gb 4g iPad 3?
I have 10 more days to decide. I'll need to get it inspected about an hour away at the Apple store in Omaha since I bought it at Walmart. I used a Walmart store card, so there is no extended warranty that some regular charge cards have on them.