Hope the following helps...
I have a "subscription" to AppleCare...
Over the past 15 years my company has purchase over 20 Apple computers (from desktops to laptops) and`I have never had need to send any of these units in for physical repairs. The hardware (in my experience) has been flawless.
As regards the "technical support" aspect of the AppleCare plan...
As I mentioned, I've used Macs for over 15 years and am "self-taught" when it comes to this computing platform. Otherwise, I've had no formal training and while not a "novice" user, I would not describe myself as a "pro".
With that said, here is my opinion on AppleCare. It's expensive but TOTALLY worth it if you are not really well acquainted with the OS platform. In the long run it will save you hours of "trouble shooting"... simply pick up the phone and call... the service has been excellent, and to date, they have been able to satisfy all my needs.
Now, let me also say that I DIDN'T have AppleCare for the first 14 years of my experience with Mac (I only purchased it in the last year when I came across a problem I couldn't handle and didn't have the time to "research" the solution). This should tell you how user-friendly the operating system is... 14 years and no major problem... just a few small ones that I was able to handle on my own with a little research!
Bottom line, if you can afford it, get it... expecially if you are new to the OS and are not a "computer wiz"... also, if you are using this for business purposes you may not have the luxury of time to "research" a solution for the few problems you might have.