I agree fully. How about this one? I left my 3GS on top of my car this weekend and drove off! It slid off my car onto the pavement at the intersection in front of my house, and I didn't realize it until later when a cab driver called my friend and told them he had found it.
This is a phone that hit the ground from the top of a car, going probably 20 mph, and had to slide across the pavement! It had ONE knick - on the corner where it first hit I'm sure. Otherwise, NOTHING. No sign that it had had ANY contact with asphalt other than the single corner.
People who use these bulky cases are hypochondriacs.