I never had a cracked screen before the past 5 years until I had 2 in a matter of a month with my 6s. First one was my fault as I dropped the phone on my driveway and the second time, my 2 year old daughter in an effort to tease me grabbed my phone and threw it on the floor poolside while on vacation. Cost me over $200 to fix at third party places. AppleCare+ would have cost me roughly the same, which is why I pass on it.
After those 2 episodes, I decided to invest in the Zagg Luxe+Glass which I really like because it blends in with the color and curved glass and I don’t even know it’s there. If you have a low profile case like me, I recommend a screen protector.