> "The warranty is in addition to your legal rights."
Yeah, I didn't miss that part. The fact that their warranty doesn't replace the legal consumer protection rights is not a concession in any way.
For the 2-year guarantee defined by EU-law (which you described very well) they brush you off to the trader who sold you the item as this is the liable party by law.
In case of other manufacturers, the trader (i.e. a mobile carrier) didn't accept such conditions and required the manufacturer to provide a warranty covering the full 2 years in order to sell his goods. So the 2 years of legal guarantee became 2 years of warranty. In case of Apple this extension didn't happen, instead a joint business of selling insurance for the second year was created.
So if your device-fault would be covered and you didn't buy insurance, the trader is double-incentivized to NOT support you in the second year (you should learn to have bought insurance AND he can't forward the claim to Apple).
A trader like a mobile carrier or Apple itself keeps pushing consumers back for years and only settles when a lawsuit is raised and actually moves to court (as they want to avoid a ruling, and the issue goes away with just ~1000EUR).
Source: I worked in that space when the EU extended from 1 to 2 years. And my Spouse works in a Consumer Protection Agency (particularly the iPhone 5c is a legend in those realms...)