Depends. The way I see it, AppleCare is insurance against catastrophic damage that would cost more than the premium and service fee to repair otherwise. If you have good luck with personal electronics and won’t be taking it where angles fear to tread, you’re probably fine without.
So I have AppleCare for peace of mind basically. Either way, I don’t use mine as a “case” to protect against scratches and everyday dings, because service fees. I still get a screen protector and a clear case or nicely colored/vanity case. Currently I’m favoring an ESR Armorite screen protector and the Spigen Zero One case (and individual lens protectors for that big honking camera array).