Welcome to the iPhone world, it is truly an amazing piece of technological engineering.
You said you were carrying it naked. I would recommend a case. It is glass front and back and although the glass is stronger than normal glass it will break or get scratched. Just check out the threads on this forum for proof of that.
Anyway enjoy your Phone.
I have my iPhone in this case.

It's really nice and you can see who is calling you through the opening.
I had a similar one for my BB and the BB is still without a scratch after 2 years.
This phone sure is delicate with all the glass but the way i use my phone I think I will be OK. If I see I need a case after this week I will change.
I still have my BB. I gave to my wife. Won't go back to that though.
Never thought I would be an iPhone user after all the horror stories flying around.
Love this thing.
Oh and BTW. The HDR toggle in the camera really works.
Took a picture outside of my house. The other one looked OK but when I checked the HDR one I could see details like clouds and power cables that were completely invisible in the other picture.
Awesome.