Retina or no? What happens after the apple care expires

I am thinking of getting a pro.  Now ideally I'd want to have the retina. But since the memory and the SSD are soldered, what will happen if they break?  Especially after 3 years?  Do we have to pay for the whole motherboard?  I asked ppl in the store but they didn't know.  Memory might not go bad but I am not sure about the SSD after 3 years. I don't want to end up paying the whole thing except the screen after 3 years.

I am thinking of getting a pro.  Now ideally I'd want to have the retina. But since the memory and the SSD are soldered, what will happen if they break?  Especially after 3 years?  Do we have to pay for the whole motherboard?  I asked ppl in the store but they didn't know.  Memory might not go bad but I am not sure about the SSD after 3 years. I don't want to end up paying the whole thing except the screen after 3 years.

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