AppleCare is not AppleCare+. AppleCare only extends the manufacturer’s warranty by a year, which is why your accidental damage on your MacBook wasn’t covered. If you had purchased AppleCare+, screen or external enclosure damage costs $100 to fix which is pretty reasonable IMO.
The case for AppleCare+ on the iPhone isn’t so clear cut, because of the enormous premiums it commands relative to the price of the phone. On the iPad Pro it’s mostly a no-brainer - the repair costs max out at $100 as opposed to $600+.
If you feel like you’re supremely confident of not damaging your device then sure, don’t get AppleCare+. Just don’t complain about it when the other shoe drops.
i don't remember there being an apple care + in 2006 but anyways like I said personally I think carrier insurance is the better option