I don’t generally bother with AppleCare. My usual view is that, like any other extended warranty, it offers poor value for money. You’re paying a lot of money upfront for coverage you’ll likely never need.
Most Mac faults are going to make themselves known well inside the first year of standard Apple warranty coverage. The likelihood of a major fault occurring in the interval between the standard warranty expiring and AppleCare doing the same is very low. (There’s an additional factor at play in the EU, which I’ll get to later as it won’t be relevant to U.S. readers.)
But I am opting for it this time. Because the MacBook Pro with Touch Bar is not only non-upgradable, but also pretty much non-repairable …
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