I may agree on some of your points but not all. Whether you like Apple Watch or not, it wasn't me too. Apple Pay is awesome. On the Apple Watch it is far easier than a credit card, more secure and doesn't give the other side you name and card number. I love the privacy and security aspects. The problem Apple has is that few areas can match the iPhone. If a startup had done Apple Watch we would call the sales numbers amazing. Apple TV generates huge revenue for its segment. Both are small compared to iPhone. Cars are one of the few segments that are iPhone size and where there is a huge disruption in its early stages that allows outsiders to enter. Apple looked at TV's but couldn't figure out how to avoid being an expensive me too product.