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It’s insurance. If you never need it, it’s money wasted. If you do need it, you’ll be happy to have it. Personally I have never needed AppleCare and I have been using Apple computers since the 90s.
Ask yourself what would happen if the computer was lost, broken, etc. If you can easily replace it, you probably don’t need to buy AppleCare. If the loss of your computer would represent a substantial financial hardship, the insurance is probably a good idea.
I believe that Apple Care protects you against physical damage rather than malfunctioning.