No harm getting apple care since u intend to use for couple yrs.
My 2 mbp died just after 1 yr and it cost $7xx/$1xxx to change the motherboard.
My 2nd mbp I went to 3rd party repair and cost $3xx first time and after a yr spoil again and cost $2xx to repair.
Unless u very sure urs won’t spoil for at least 3 yrs. then don’t buy AppleCare.but .. no one can predict that lol.
Good points. I realized I have never owned an Apple laptop and laptops can be more fragile.