My hands are telling my mind that no protection (case and screen protection) is needed for my iPhone 4 but, my mind is telling my hands that stuff happens and my heart is telling them both to shut up because its too beautiful of a device to keep unprotected, with or without insurance! ha. Point of this thread: 1.)Personally, do you think scratch protection (i.e screen and/or back) is needed? 2.) Drop protection? 3.) Is a Bumper enough for your average user? By average I mean a bit overly protective ha. Thanks for responses!