Naked...butt naked. Is the cover really gonna protect it if I drop it? No (maybe the really hard robo solid cases), not those little thin rubber cases. And If I drop it and it nicks it, it gives it character. I have tried the screen protectors and nothing feels as slick and smooth as a nice clean piece of glass.
I never understood having a phone and a year later when you are getting a new phone, the old one has no scratches and is perfect, after you take off the cover of course. Soooo...now you have a phone you arent using anymore that has no scratches, whats the point of that?
But do what you feel comfortable with, if youre nervous, get one...otherwise...its great being free!