I went with the 256GB iPhone 7 with AppleCare+ and no case or screen protector or sleeve or anything. Microscratches are an understatement. It's literally worn to a matte state in the places where it sits on my desk at work. I don't throw it around or use it carelessly, and at home it rests on my bed or my oversized mousepad. Still, along the entire bottom edge of the back surface as well as the top right corner (not the camera bump side) the mirror-like jet black finish has been worn down completely. Apparently this can occur from the cloth pockets of my work slacks, the laminate top of my cubicle desk, and my 300 thread count cotton sheets.
Not entirely sure how it seems to be so severe, but don't freak out. You can feel the texture difference, but you really can't see it unless you're looking directly at the reflection of a light and you're holding it yourself. Nobody else has commented on it at all and I'm still very happy with it. I would have gone with a matte black phone purely to have acquired it earlier!