Apple care can be a little trickier. With my experience with the "geniuses", they're god awful human beings with NO idea what the hell makes a device work. They told my wife that her iPhone 5 had a fan in it, and that it was broken, and that's why it was overheating. When she called them on their bullshit, they insisted that there was a fan in the device.
Aside from the terrible people at the apple store, they also have a deductible that makes it a pricey exchange even after paying a hefty premium. Most repairs can be done on a mac pro with an ifixit kit and the replacement part you need. Motherboards don't fail too often, so I would opt for not getting it. The only issue is if you think you are careless enough to break a $1000+ device.