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Is AppleCare+ worth it for AirPods Pro?

Question: Should I pay for AppleCare+ when I buy AirPods Pro 3?
Answer: Usually yes for AirPods Pro 3, and the arithmetic is blunt. Apple's own store lists AppleCare+ for AirPods Pro 3 at $19.99 a year, or $1.99 a month, and a single accidental-damage repair drops from $89 to a $29 service fee, so one dropped earbud pays for about three years of the plan. The exception is loss: Apple does not replace a lost AirPod or a lost case under any AppleCare plan for headphones, so if losing earbuds is your habit, the plan does not help there.
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