So you never use cases at all? I thought some models were magnets for scratchesNot worth it for me.
The extra size (even when minimal) and the extra "ugly" isn't worth it vs. just maintaining AppleCare+.
If I was regularly scratching/cracking/denting the phone I'd rethink that, but I haven't scratched one, much less done worse to it, since the original iPhone (and it was the case that scratched that!). So at this point, I don't even think about it.