To the OP:
I had no trouble understanding what you were asking.
I think the bumper with a screen protector is a reasonable solution. One gives some protection against falls and the other from incidental scratches. I would prefer to keep it naked as well, but more so, I don't want to be constantly babying it. I don't have to think twice when plopping my phone down on a table, for instance.
The bumper is reasonably low profile, and arguably makes the phone a little more comfortable to hold, but also a little bulkier. Another advantage is that it largely maintains the original design of the phone. It has also shown no wear and tear on the phone by taking the bumper on and off.
If I had to choose one only though, it would be the screen protector. My phone is more likely to get small scuffs and scratches than suffer a glass shattering fall (knock wood!). I think there are reasonable options that offer a clear enough protector with a decent feel.
So, to answer your very clear question, I think these are quite reasonable options that will protect your investment and give you peace of mind while still maintaining the design, functionality and ease of use the phone was meant to have.