In 17 years of Mac ownership i've never bothered with Applecare.
I have had to fix computers, superdrive failed recently in fact on an old Mini, but that is after 6 years so Applecare wouldn't have been applicable anyway.
I've spent far less on repairs than I would have spent on Applecare on new Macs over the years by LONG way.
However, if you're not up to fixing computers yourself, then you're probably best off with Applecare for piece of mind.
I have had to fix computers, superdrive failed recently in fact on an old Mini, but that is after 6 years so Applecare wouldn't have been applicable anyway.
I've spent far less on repairs than I would have spent on Applecare on new Macs over the years by LONG way.
However, if you're not up to fixing computers yourself, then you're probably best off with Applecare for piece of mind.