If it stops working, you loose it all.
I found out the hard way why smart people only buy brand phones. The phone screen just stopped working. Just like that, no bump, drop, rainwater, nothing. Ulefone said they could not repair, there was no parts, and offered a replacement phone with whatever crap they had in stock and could not sell, in my case a phone with a small battery. I asked for a suitable replacement and even offered to pay the difference for a better phone, they refused and could not care less. This is not the attitude of a brand that has the long picture in sight. Just expensive phones without a safety net, it's a bet, if it fails you loose it all.