I've gone naked on every phone up until now. I have a 5yr old and a 2yr old, and they're on my phone constantly (had an X for 3 years before getting my 12 Pro).
I got a clear ESR case from Amazon ($18 with 2 screen protectors) and used it for the first time. So far so good. I just know that if one of my kids (or I) drop the phone this soon after I just got it, I'll be really sad... Plan is for me to keep the case on for a few months, until I get in the rhythm of the new phone (size, weight, etc.) After a few months, if I feel things are pretty good, I might go caseless again. But for now, the added peace of mind is worth not being able to enjoy the "nakedness" in the near-term.