Payments that you get 3% cash back into a Savings Account with 4.4% interest.
On years that a family member needs an upgrade I simply log in and pay off the device then start over with AUP that year on the phone.
Never had an issue since AUP was introduced that Apple hasn't made right.
Interesting you say we are a minority with zero numbers to back that up.
Work pays me monthly for a personal cell line with MAM apps. I haven't had to worry about getting ripped off selling my old phone and have zero worries about battery life.
Only annoying things are Verizon charging $35 because why not and getting a new case/screen protectors.
I've never met anyone on the AUP, and the only people I know that buy directly from Apple are myself and my brother, and he does it because of a 10% military discount. In fact, I didn't even know they still offered it.
3% is fine. I get the same with my AMEX.