Meh. Whenever my warranty is about to expire I just ride the resale value and upgrade knowing I’ll sell the old one for a hundred bucks less than I paid for it and get a new warranty for the new phone. I get a new phone every two years for basically $200 and someone else buys my used one probably doing the same thing and selling their old one for $100 less than that.
Over a decade I’ve spent one new phone’s worth of dollars for 5 phones.