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An exterior case can also prevent it from getting scratched[www.amazon.com], which protects the resale value. Macs tend to hold their resale value a bit better than P.Cs.
Laptops don't really need screen protectors 'cause you don't lay 'em flat on their screen, walk around while using them or put 'em in your pocket, and when you put them in a bag you fold them up. I'm not going to guarantee it's impossible for you to ruin the screen mind you, but the odds of it happening seem relatively slim.
But when I'm actually using it, it's nude.
Same is true for my Steam Deck. In it's case, in my bag when I'm running around. Au naturel when I'm actually using it.
I figure I'm much more likely to do something damaging when I'm carrying it and running around. As a point of comparison, my last laptop lasted much longer than my co-worker's. We bought them around the same time. His died after about two years. Mine still lives on. Mine stayed in a case. His got tossed into the back seat of his pickup.
Apple Care[www.apple.com] isn't a silver bullet:
I'd rather buy five external cases for $20 than pay a $99 service fee even just once.
Moreover, I'm not sure if applecare covers liquid damage or not. Apple is vague enough that it is better not to risk it[support.apple.com], esp. since there may be a service fee involved.
Nevermind: I found the provision regarding the accidental damage protection in the present Applecare terms[www.apple.com].
Have fun possibly spending $300 for your accidental damage repair because you refused to buy a $20 keyboard cover to protect against a spill. That is not even to mention the subscription fee by the way.
https://www.youtube.com/watch?v=3RJtF38jhP4
not sure if i like the unicorn beetle macbook outing though. maybe someone else does