I both agree and disagree with you. First: I wouldn't buy AppleCare - for the reasons you're stating. But: If you _did_ drop your PowerBook, the harddisk probably _did_ take damage. Harddisks are not made for dropping. Well: The ones in newer PBs actually are, although I _still_ don't recommend dropping your PowerBook.  ... Either way: I think your harddrive's failure - even though later on - still can be a consequence of that drop...
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