My 60 days to add on Apple Care will end at the end of this month - and I've been conflicting at which side to go. I currently have carrier insurance right now and I mainly got it because it protected from lost & stolen - I haven't had either of those happen to me yet, but in this day and age, you never know. Seeing the price of AC and the replacement fee makes it really tempting. What do you guys think the best thing to do is? I need to decide soon before it's over.