Your discussion re AppleCare, Sqyare, big box, etc. insurance coverage for iP devices left out the most important part - experts helping resolve problems. Forget hardware theft and loss. The assistance makes it all worthwhile. At least that's been my experience. What's acailabke genius wise after ones two year Applecare expires? Does one pay as you go or what? Apple would like to see be buy new devices every 24 months, I'm sure. Ain't going to happen. Thanks.