Apple care for MBP - how long is it worth it?

How long can you get help with Apple Care?

In 2021 I got a very expensive MBP that I hoped to have future-proofed and for the first time ever I paid for apple care and I still do.

It’s awful, like beyond sluggish. It takes up to a minute to sign in with my fingerprint (wheel of death). Just using it to surf the net is really slow. I guess it’s just an age thing - specs are Apple M1 Max chip, 2TB storage with 1.67 TB left and 64 GB memory.