Not following. If the phone is completely destroyed after 2 years, will easily be able to purchase another like for like used iPhone X for way under $550 to replace it. Personally, I would go into the Apple store on the last day of the warranty and ask for a replacement (provided that I haven’t yet used up the 2 incidents). Will cite the scratched screen or scratched band (after 2 years both will be scratched). Then for the next 2 weeks that you are going ape **** about I would stick that baby in an OtterBox case with the glass screen protector.
However, at the 2 year mark we will be looking at purchasing the iPhone 12 with “think ID” anyway, so still confused why the need to go ape **** over 2 weeks
"ThinkID" - quite possibly. iPhone XII will be a bionic implant, which is actually not such a great idea.
Let me try again and see if what I'm saying makes sense to at least one of us.
Assume I drop my iPhone X after the third anniversary of the purchase date (when, for the sake of discussion, AC+ will have expired) but before the third anniversary of the activation date (when, logically, AC+ should have ended).
If AC+ covers me, for the price of the co-pay, I get a replacement phone. If I want to sell it, I can do that and net whatever the market price is, minus the co-pay. If I plan to keep using it, I have the phone for as long as I want to keep using it for the price of the co-pay. But if AC+ doesn't cover the phone, I'm SOL because at that point, as you point out, it likely that the non-covered cost of repair exceeds the value of the phone, or at least I'm better off buying a new, current year iPhone rather than shelling out significant dollars on a two year old phone.
See if that makes sense. I could be missing something... I will say for sure that if my Mini had fallen into a two-week hole like that I would effectively have been out a great deal of cash.