I have a Note 2 and a Note 4 both went in for factory refurbishing and both are working very well. One of the problems with the Samsungs and maybe the other androids is that the phone gets hot when location services is on, and in my case, I usually have the brightness too bright. I think the heat messes with the motherboards and even damages some ram locations. That plus too many battery pulls without powering down the devices leaving unclosed files don't help either.
Before I pay $1,000 for a phone plus $300 of insurance, my next phone will probably be a new V20 for $329. What dies paying 4 times that amount give me? Sleek is gone once you put a decent case on it. How much better is the $1,300 phone's camera with the same crappy plastic lens? Maybe if they stop slowing down the older phones, people wouldn't spend $1,300 plus $100 tax.
The only thing I miss by not having an IPhone is not having Facetime.