I didn't have Apple Care- and the phone was just under 2 years old at the time.
However I have found that Apple is being far less charitable with their repairs. I know with my 3GS I just quickly mentioned an issue and without blinking they replaced the phone. It is really YMMV.
Yeah, if it was up to me I'd pay the $100 to have it done professionally.
FWIW- my iPhone 6 that is about 7 months old (replaced under Apple Care) has been better for battery consumption with iOS 10. However I know I find the phone will shut down if it gets too cold.
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