I’ll break it down for you. Which AppleCare+ are we talking about? Loss and theft or regular AppleCare+? Is it 2year one or is it month to month indefinitely?
If you have a screen protector and a case and take good care of your phone then no it isn’t worth it. In your case even if you had applecare+ it would be money wasted since after 2 years AppleCare+ won’t do anything.
It’s simple math and up to you personally at the end of the day. AppleCare+ ($200) + ($100)deductible for phone replacement or ($30) for screen only. AppleCare theft & loss ($269) + ($150) deductible for lost phone.
Personally after the first year it’s not worth it cause if you’re paying a deductible might as well upgrade cause iPhone models come out every year.
PSA: You can buy the insurance and cancel it anytime if you don’t end up using it and you can get the refund of the unused portion/how many months of coverage you had left. You cannot cancel if you’ve already gotten your phone replaced by AppleCare+.
I’ve had iPhones without AppleCare and iPhones with AppleCare. It’s very simple.
If you have a case and screen protector no it’s not worth it. If you are using without a case then yes it’s worth it.