Extended warranty:
Some manufacturers offer extended warranties, also known as service contracts. For a modest pre-payment, the manufacturer agrees to service their product for an additional period of time -- to repair or replace defects in Materials or Workmanship, and possibly even more, for an additional period. In some cases, the service contract covers additional items beyond defects in materials or workmanship. In some cases, there is a copayment required to obtain this service.
Some users will have No claims during this period. This "insurance effect" allows the manufacturer to keep the price of this service contract relatively low. You generally can not sign up later, because then only owners with problems would sign up, after they discovered an issue.
The MacBook Pro is a lightweight, portable computer that can run on batteries. Being portable, it can easily be subjected to multi-G forces daily, just by being moved about in a completely ordinary way. This is extremely stressful to electro-mechanical equipment. The display is made of glass, the internals are very likely to die if water is spilled on the keyboard.
Because of this, you should ALWAYS purchase the extended warranty coverage for such a portable device, regardless of whether you intend to move it about.
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If you made the decision to NOT pay for the AppleCare extended warranty, you made a wager (bet) that is would be better for you to not pay for AppleCare, but to bear the cost of repairs (IF any were needed) during the extended warranty period yourself.
You lost that bet.
When facing a problem later, the correct cost calculation is:
Example Total retail cost of repair: US$800
less Example amount you saved US$380
by NOT purchasing a service agreement
Effective incremental cost: US$420
PLUS the amount you saved by not buying the Service contract, which now must be spent as well.