I get that, and I wasn't trying to be rude or condescending about it. It's everyone's personal choice what they do. However, I think a lot of people frame the issue that they must armor up the phone lest it get broken, or get a scratch (not saying you did this).
I think there is a lot of room in between, and I also think Apple goes through great lengths (iPhone 4 and 4S glass not withstanding) to design their phones to where you don't have to armor them up.
In the end though, it is a $650-$850 device, which a lot of people forget due to subsidized pricing, but soon learn once they break their phone.