My take is that I might or might not need it but the chances are indeed low.
If it does happen I have a few handy friends and there are even websites that explain how to troubleshoot and repair.
Also, I can afford to be without phone for a few days if it comes to that while I figure things out.
In the very worse scenario, I will have an unexpected expense, I can live with that.
So my personal choice is not to pay for it.
I would consider it again if I move.
I have been in the house for 5 years, if I had set that money aside, I would have $600 now for eventualities.
So, technically I am not betting it will never happen, I am betting it will not happen for 2-3years.
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