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There are two reasons to get one. The first being that if you drop your phone it can and will save the screen from getting cracked (if you get a decent one). The second is that as mentioned above, the oleophobic coating will scratch no matter how much you baby your phone. They are only visible in direct light and are not viewable at all with the screen on, but they will be there and there is no getting rid of them.

If neither of those things matter to you then no, you don't need one. I'm pretty careful with my phones and never put one on my 8Plus. After a year the screen looks perfect unless you look at it in direct light where it will show a lot of the micro-abrasions from pulling it in and out of my pocket. It doesn't matter to me as I wasn't planning on selling it any time in the near future but for some people it really bothers them. I put one on my XS Max right out of the box though as I paid for the phone outright and wasn't about to let it getting scratched up. Eventually I'll probably take it off but while its still new to me I will keep it on there for piece of mind.
 
I have a X that I have a 3D protector on it and it covers the entire screen and notch as well without any issues. I always use screen protectors on my phone even though I buy AppleCare. Why pay to replace a screen when it can be prevented with a screen protector? Also my screen protectors feel like I don’t even have one installed.
 
I hate the scratches or micro scratches on the screen. And also hate a screen protector that doesn’t have a good install. Hate dust under the screen or if the protector is just off center even a tiny bit. So with all that said, it’s quite a process when I install them - even with the tray to line it up. Glad that they are really cheap now.
 
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