Apple care is insurance. It’s not worth it until it is. If your phone breaks then you are going to wish that you had Apple care. Just because you never broke it in the past doesn’t mean anything. Bottom line are you willing to take the risk knowing that it will cost you several hundred dollars to fix or replace if you break and or lose it? Personally I buy Apple care because I don’t want to have to spend another 1200 dollars if my phone is lost or stolen. Or 600 of it breaks. For me it’s worth the cost to offset the risk.