It's reasonable for SquareTrade to assess the likelihood of damaging a device in order to set prices for covering damage to that device. SquareTrade has a reputation for providing reasonably priced coverage. They'd go out of business if they undercharged to cover a device that is very easy to break.
SquareTrade's drop-tests in this very short video are from 6 feet. More common drops in the real world occur from about 3 feet (according to other sites that professionally test devices for damage).
EverythingApplePro and Consumer Reports did drop and scratch tests and found the X to be very durable and robust. And they are credible information sources because they have no financial interest in whether or not you buy insurance for your phone.
On the other hand, CNET is also impartial and their 3-foot drop tests did significant damage to the X.
Since there is no strong consensus among drop-testers about the durability of the X, I would err on the side of caution and use a case, get insurance, or both.
SquareTrade's drop-tests in this very short video are from 6 feet. More common drops in the real world occur from about 3 feet (according to other sites that professionally test devices for damage).
EverythingApplePro and Consumer Reports did drop and scratch tests and found the X to be very durable and robust. And they are credible information sources because they have no financial interest in whether or not you buy insurance for your phone.
On the other hand, CNET is also impartial and their 3-foot drop tests did significant damage to the X.
Since there is no strong consensus among drop-testers about the durability of the X, I would err on the side of caution and use a case, get insurance, or both.