Yes screen protectors are a must. As for backs, if you want it naked I put on a bookcover material thats very little adhesive and protects from most scratches and it takes up no room at all, considering its dirt cheap and very thin its worth it.
Personally I dislike the very grippy iphone cases. This is the type of case I had when I went to pull my phone outta my pocket and it gets stuck in your pants pockets very easily that I pulled harder and it flew out dropped on the floor and cracked the screen, $170 later i'm looking for a better case.
Theres basically no case made to stop the screen from cracking unfortunately. Every case is designed to be thin and sleek and sexy. Not exactly the goal for some people but whatever.
I just ordered the DRO concepts carbon fiber case, that is not only the strongest case but it does have atleast a little neoprene for a good fit and little cushion.
Theres also the otterbox I considered but thats a little misleading.
Drop proof= you're less likely to drop the case, it doesnt mean the phone will survive a drop.
But its still a good case.
I also like the CaseMate carbon fiber leather series, leather is a very good option since it has a good fit and better for shock absorption than hard plastics. Ion also has a good carbon/leather mixed case. All well made.
Theres different styles to consider as well. The plastic clip ons, (no drop protection, just scratch proof) Belt holsters, but these expose the screen all day long unless it has a front flap. And theres also leather pouches which are nice, but you do have to take the phones out of these when you want to send a quick text.
So for me the best allaround cases are the first few I mentioned. Its very accessible, less snag on the pockets, and can be grippy enough not to drop.
But my new rule, NEVER drop the phone. Be aware at all times. I cant describe the feeling of cracking the screen, so just avoid learning it.