My other half had it in a leather slip case, banged it on the bus and it looks like a bullet hole in it. She is on my account and I have insurance on all iPhone lines so all is well but she still owes me £25 
I'd go naked on mine if State Farm still offered insurance on cellphones.
But since they don't and I can't afford to buy one full price, I put a case on it cause I really can't afford not to. I'd be upset even if I had to go to a 3GS (which is still a step up from the 3G I had) but I am not sure I could even afford one of those at this moment. And I'd be really really upset if I had to go back to a 3G.
And honestly, so far I'm very glad I put a case on it (a basic 20 dollar silicone one but it works and does not add too much bulk and looks better than the more elaborate cases imho) cause I have dropped it a few times, not a scratch. (I know myself, I *will* drop my phone. I am careful with my phone, but things happen).
I'd go naked on mine if State Farm still offered insurance on cellphones.
But since they don't and I can't afford to buy one full price, I put a case on it cause I really can't afford not to. I'd be upset even if I had to go to a 3GS (which is still a step up from the 3G I had) but I am not sure I could even afford one of those at this moment. And I'd be really really upset if I had to go back to a 3G.
And honestly, so far I'm very glad I put a case on it (a basic 20 dollar silicone one but it works and does not add too much bulk and looks better than the more elaborate cases imho) cause I have dropped it a few times, not a scratch. (I know myself, I *will* drop my phone. I am careful with my phone, but things happen).
Check out SquareTrade they offer a pretty good insurance policy for a whole range of products including the iPhone 4. They have a sale going on for two years of coverage for 99.99.
Sent from my iPhone 4 using Tapatalk
Its not worth the hassle to *not* get a case in your situation. I would get a case if I were you, so don't feel bad about it. I have a case on my 3GS but take it off occasionally.
Honestly, I'd rather use a case than go through all that insurance stuff. Or I'd rather deal with the phone the way it is. I don't think I would drop the phone though
naked.
i'm also on my 4th iPhone due to accidents. besides, unlike most other manufacturers that require you to replace the device at your cost, Apple charges only $200 for an Out Of Warranty replacement.