It's expensive to pay nearly double for a phone just because they have physical stores where you've gotten phones that you've destroyed replaced for free.
It's expensive to pay nearly double for a phone because you feel you need classes to learn how to use it.
I'm saying it is perfectly fine if you want to spend more money for the Apple experience. And obviously you are fine with that, too. I prefer to use my money on other things. It's not a competition between rabid fans. It's a market for selling chunks of hardware. So yes, they are competing for our dollars. I prefer to maintain my decision-making over where those dollars go. Having special in-store luxury experiences is not why I buy a phone that takes pictures and does other things nicely, too. But it's fine if you spend that money.
Insurance is betting you're going to have something bad happen. Expensive insurance is when the ones calculating the insurance make a bunch of money off you because you pay a lot more than you get out of it. Paying a ton for a low deductible but never making a claim. If you personally don't destroy phones, paying a lot for insurance on them doesn't make sense. I never said no one else should do so, or that no one else destroys phones. Obviously you do. But still not enough to make up for the price premium.
Overall it's not a solid argument for the phone, but you have your reasons for buying it. It just does nothing to discount my reasons for saving my money and buying a different phone.