That’s terrible.
After cracking the glass on the back of my iPhone X, I learned my lesson and picked up apple care for my iPhone X’s max this year.
Mathematically speaking, I'm still way ahead by NOT getting Apple Care. I've owned iPhones for 10 years without damaging one. If I had paid for Apple Care all of those years (or at least as long as they offered it), I probably would have paid for more than an entire phone by now. But, if I'm getting clumsy in my later years, perhaps I should consider it