A:AnswerI would recommend buying the BestBuy Totaltech before purchasing the iPhone. BestBuy Totaltech covers all Apple Devices (iPhones, Macbook, Airpods, etc) with Applecare+ and is the same price as you would pay to cover just 1 apple devices if you bought Applecare+ as a standalone service.
A:AnswerYou can select apple pay when checking out. You can see if it is free or if it is monthly. But as far as I know apple care does not come with the purchase.
A:AnswerI was told by a BestBuy employee that Apple now limits the Unlocked iPhones to Apple.com . They will not allow any other retailer to sell unlocked iPhones anymore.