Oh, yes I specifically meant refurbs from Apple. You take your chances with anyone else. My Fenix 6 was a returned item described as brand new looking from Amazon. It was about a third the cost of a new 7 last year and indeed looked brand new, but at that price I'd have been ok if it wasn't.
I haven't needed apple care on any of my device. My eldest closed her MacBook on a pen and I replaced the screen myself for a bit more than the cost of AppleCare. She and her sister have also smashed an ipad screen each which I got someone to replace. Similar story with the price. Actually maybe it's a good investment for younger kids. All in all I'm better off without it though. Are a lot of apple watch screens needing replacement?
I was at a meeting last week with 10 colleagues I hadn't seen in over two years. I noticed they were now all wearing apple watches except three of us who were I knew were keen cyclists had garmins. I guess we three are sportspeople. Also noted they were all reasonably heathy looking bar one wrt the general population. That may be because of the amount of running around we do in our jobs. I use apple health to gamify my steps for one thing and have boosted them 30% this year. My phone thinks I'm gaining steps when I'm cycling but my garmin watch knows I'm not. Apple watch is probably better for that sort of thing.