Ever since I had a traumatic loss of the original iPhone from a roller-coaster, I have had my phones protected for full replacement value through my car and homeowner's insurance company on a personal article policy. 2 phones, (was $45) now $30/year. Zero deductible, full replacement. They actually no longer write the policies because of people abusing them, but they will not cancel mine as long as I pay it every year. They let me change the phone covered and the covered amount when I upgrade.
Now to the question:
Am I being too cautious in wanting to protect my phone with a bumper case (and potentially one of these Wrapsol's)? My phone will be replaced if I kill it, but it is the minor damage I want to prevent. I want my phone in as good condition as possible when I am using it, and I want it in excellent condition when it is time to upgrade and sell on Ebay.
I have used a screen protector on my 3G, along with switching between a Beyza leather pouch (for when I wanna use it nekked) and a SwitchEasy Capsule Rebel (for when I want convenient, quick access).
I guess it is double protection, and I cannot decide if it is worth it. I'm pretty sure I'll get a protector for screen scratches regardless, but I don't know about the bumper. I think it'll come close to fitting my current Beyza case and may use that.
I'd like to enjoy a few things about the phone that can only be done when it is naked: oleophobic screen coating, optical clarity, minimalist design for pocket/use, and easy access from pocket (no leather pouch).
Bye the way, I also cannot decide white or black. Black is the safe choice, but the white looks pretty dang sharp.