Realistically, you'd probably end up paying more for AppleCare+ over the years than you would on a phone repair/replacement.
I do have AC+ for peace of mind and express replacement service. That said, it's probably not the most financially prudent choice unless you break your phone once a year or something.
Yeah that’s exactly my thinking. In 18 years of owning iPhones and always being caseless, no screen protector and no AC+ I have dropped it 2 times, where one of those times I had to replace the screen and the other time the back glass. Quick maths:
2 repairs in 18 years: €600
18 years of AC+ would’ve cost: €4.000
Profit: €3.400 😄
And yes, caseless is totally worth it. It cost me €2,77 per month to enjoy the look and feel of the design of the phone (I really dislike the feel of screen protectors and obviously the bulk and plastic of cases). But yeah, I’m not clumsy and don’t have kids, so I can go years without ever dropping or scratching my phone. My current 1 year old 16 Pro looks like it just came new out of the box.
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