An i9 macbook pro is 3100 with Applecare and tax its 3800. If you don't buy the Applecare they can charge you whatever they like to fix it because you wont be able to take it elsewhere. Have fun when a new battery costs you $250.

Regarding the XPS with 6 cores, 16GB ram, 512 ssd it still comes in closer to 2K you could bank the extra 1800 and use part of it to have it fixed if you dropped it.

The surface laptop 2 seems to start at around 1K doesn't appear to be the in the same ballpark although with integrated graphics, a lesser display, and lesser processor it also doesn't look to be in the same class.