I run naked. What's the point of buying the phone partially based off the look if you're going to cover it? It won't be worth anything in 2 years, so who cares how it looks then as long as it works... I've never even dropped a phone before, (I've been playing with smartphones since the Treo) let alone lost one. If I ever do drop/destroy one, all the money I've saved by not having insurance on them will easily buy another one outright. If I were 15, yes, insurance might be a good idea, but I doubt the carpet in my house is going to hurt my phone, and at work it sits on a desk. Between the 2, it's in my pocket.
07-04-2013 12:28 PM