Don't forget AppleCare+ if you do. Not worrying about broken screens ($200/each replacement without vs $30 service fee, with $100 one time AppleCare fee for 2yrs) and getting replacement phones on the spot for other damage is really a huge anxiety relief and comes with more savings than the initial cost. That what helps turn a "phone a year" into 3yrs.

Does Google offer something equivalent to AppleCare for Pixel phones? I guess there's think like Best Buy extended warranties but I've never had to use one for a phone. I'm curious how it compares.