When do I accept that my phone is lost?

My phone has been missing as of Saturday morning. (It is now Sunday evening.)

My husband and I attended a function on Friday evening, and we definitely had my phone on the ride home, as we used it to help direct us.

Saturday morning, I noticed it was missing. Logically, the only possible places it could be are his car or our house, right?!

I have searched both his car and the house as thoroughly as possible over the past two days and… no phone. There’s not really any more looking I can imagine I could do.

I need to have a phone, so at what point do I give up and pay the ~$200 deductible for a replacement iPhone?