I get the peace of mind angle, but I think the math paints a different picture and only works if you actually take advantage of it on every device you ever get with the warranty. The only way it makes sense is if you break your device every time within the AppleCare period. The second you've bought AppleCare and don't put it to use during that period that it's valid is the second you've come out behind and have likely ended up paying more over the long run. You're out $100 more and the only way that AppleCare makes you come out ahead is if you both break your devices. If both of you bought AppleCare, your total cost would be about $600 where as if neither of you bought it, then you paid the $500. Not sure which MacBook you and your wife had/have but AppleCare+ is $250 on the 13" MacBook Pro and the cost to repair the screen is $99.
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