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There was a good article that addressed the question of whether Applecare Plus was worth it on Macworld a few months ago.
The out of pocket costs have gone up to $79 for each replacement/repair, but that covers pretty much everything including accidental damage, so unlike those warranties you mentioned, Applecare Plus is actually useful. Still, you have to do the math. $99 for the Applecare Plus, and $79 for each repair really means $178 for your first repair, so if you are careful with your iPhone, it isn’t that great of a deal. If you are Butterfingers McGee, then it might be.