When you think about it, everyone goes through the baby period with phones. I mean, even if it's one of the phones I get for free when I upgrade, I baby it until I get like 1 or 2 big dings, then it's fair game, I throw it around, toss it on the counter, use it in the rain. It's not that I don't respect it, but it's like, whatever? I decided the first week after I got my phone that instead of apple care extension, I would just buy another phone if it was ever that damaged or if something happened. I mean, I think the fact that you don't need to listen to the voice mail prompt is worth the $600 alone. Hopefully by the time mine falls apart V2 will be out, and I'll just buy it.
I was actually surprised that you would say you would drop it more because you are in a wheel chair, I don't see any difference between us. Some of my best friends are in wheel chairs and they can do almost everything better than I can - I hate it when people feel limited by disabilities. I wish I could find an article online about my friend Gina. She has no legs and is one of the BEST softball players in the region. It's inspirational to watch her play, she has the best spirit. She manages to RUN the bases, and FAST - because one day her pinch runner missed the game and she still wanted to play.
Way off topic, but don't be afraid to get an iPhone because you're scared of dropping it, don't be afraid to do anything.