I originally got into the upgrade program with the 6s. I had gone in that day prepared to pay cash, because I wanted an unlocked phone. But when I saw the upgrade program, I couldn't figure out why I should pay cash, when I could get 0% financing with the upgrade program. So that's how I went. I like having AppleCare. I've had it on all the products I've bought from Apple. I got a new replacement phone at one point with the 6s. After one year payments, you basically have paid for half, when they take it back on your upgrade they cancel the other half. If you had paid cash for the phone I doubt you could get much more, at least without a lot of hassle. In the upgrade program they just take it back. You know what? I like a new phone every year. There's no way I'm going to keep a phone for say 3 years so that I can benefit from no payments. It's not that important to me. Anyway, this is my third time upgrading, I think it's a good program. BTW, if you're waiting for the X, and you're already in the upgrade program with a 7, Apple is getting over on you for a payment or two while you wait. That's like getting less for your phone.