Agreed regarding the applecare for macbook.
My Macbook retina pro 13's screen broke (completely blank), think something fell on it and it didn't have applecare. Quoted 1k+ by Apple service centre. Chose to go external to repair it for about $500. However, after 7 months, the screen is now broken again, strips of the screen are not displaying correctly. Went back to the same repair shop and they said that warranty only covered 30 days, so I had to pay the same amount again to fix the screen.
As a side note, they did say that the retina screens are quite fragile and can easily get damaged.
Maybe my luck, I've got 2 macbooks at home, 1 with apple care which didn't have any issues even after being dropped a couple of times and the other that broke twice without applecare.
For iPhone, I guess it depends on how careful you are with your phone.