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Need some opinions. I was going to get Applecare for my iPhone 6s Plus, but since I "financed" through Verizon and they are offering yearly upgrades now, whats the point of paying for two years of Applecare? I don't plan on keeping the phone for two years. Its not worth it, in two years the phone won't be worth the 949 bucks that it would cost to pay it off. Might as well let Verizon eat half that and upgrade.

Yes, I am aware I can request a pro-rated refund on Applecare. If I didn't do applecare I would go without an accidental warranty of any kind, because to sign up for Verizon's warranty is the same cost as Applecare.

Thoughts?