When thinking of it this way, I also take into consideration that there is a "cost" for me being paranoid about any and every tiny little blemish on my phone to maintain the resale value.
For example: I can get $350 for the phone if I keep it in a climate-controlled glass case in my living room and only touch the phone when necessary and always clean it with a microfiber cloth afterwards, and buy a $50 otterbox to put my phone in if I were to take it outside with me.... OR, I can USE my phone, not worry about every little nick and scratch on the stupid thing, keep it in my pocket, drop it on the floor once in a while, and spend my time worrying about important things and not my phone, and maybe only get $250 for it when I am ready to sell it....
For the $100 difference, not having to worry about a silly phone so much is worth it to me.....