I'm still on the fence. My credit card extends the manufacturers warranty to 2 years, but that doesn't cover accidental drops which is what I fear the most. My iPhone X is nestled safely in its case with a tempered glass screen protector. But still... I bought the phone outright and plan to keep for at least 2 years - unless next years iPhone is a dramatic improvement, in which case I will sell my X. I've read all the threads and know there is no "right" answer and "insurance is only worth it if you need it," but the need to make a decision is tearing me apart. Ok, that's a bit dramatic, but its stressing me out!