My phone is about to be paid off after three years and the insurance is ending - zero accidents or errors, and, fortunately, the actual value has deprecated greatly due to use.

I plan on just using it until there’s a big accident (which I don’t suspect happening) or until it is so shot as to not be usable. Indeed, I plan on replacing components if it is relevant - for instance, just get a new battery if I experience battery drain issues. Since I do not use much in terms of apps, I suspect I’ll get along just fine with it for a long while since it seems doubtful that Chess apps will become too powerful for a phone from 2021 anytime soon.

The idea of buying an expensive phone, perhaps even one you haven’t paid off yet, with no insurance… lel, man, you bringing stuff on yourself like that… If yuo can just eat a thousand dollars and think that I have never broken a phone before, fine - I am not going to stand over your shoulder and force you to do it but yeah you should LOL right along with me if/when you destroy your phone.