I am using Macbook since 2013 and it was awesome experience using it. So I am here to share my views how is the product is.
If you really thing apple macbook will give you freedom to do anything on there laptops then you are very wrong about that. Yes they have a better and more stable operating system then windows. But that not means that they will have to put such restriction on the user to share or transfer files.
If you also think that apple service and support is always available there for you, then you are very much right but yha that is not gonna easy on your pocket.
So better you take a insurance of 5000 inr for a year or 17000 inr for three year which will include total protection of the product.
But if you ask me, after using apple for 2 years will not recommend this to you if you are thinking to buy a laptop for normal usage.