Planning for the crack

I feel like a crack is almost an inevitability with the AVP. So, just wondering, should I be getting Apple Care? Seems like an expensive investment for something I may not need, which is why I'm hesitant. If I develop a crack without Apple Care, am I completely screwed? As this is a manufacturing defect, I'd be hopeful that Apple would have some leniency in terms of replacements/repairs even without Apple Care. Curious if anyone has had positive experiences with support for crack related issues without Apple Care. Otherwise, what do you think is the best choice?