I prefer a hardware keyboard of some type (maybe because I come from Palm Treos) for those websites where there is more data input needed - other than that I use my virtual keyboard for 90% of the things I do - its like all wheel drive in a car, you don't need it all the time, but it is handy to have when you do need it.
I use to use screen savers , but I like the naked feel, performance and looks without anything. On the other hand, I do use Phantom Skinz and have used Body Guardz more so on my wife's phone - she simply destroys phone, whereas I baby my phones.