Naaaaayyyyy-kidddddddd. The last time I broke a phone was the HTC Thunderbolt (remember when that was modern? LOL) in May 2011, and insurance took care of it just fine. I briefly had a case in the Note 3 because I thought I should, but no, I can't imagine using one ever again.
The S6 edge+ was what really nailed it down. It felt like I want just holding advanced industrial design, but ART. The Note 8 even more so. I both respect and enjoy it too much to hide it. Not that I don't appreciate the pleasures and practicalities of well- designed cases in theory, and I know my wife loves how her wallet case makes her whole life easier to manage... but me, I guess I'm more of a phone hedonist. LOL
And if I'm being honest, I love that my 6 edge+ was and the Note 8 is such a conversation starter. Everyone wants to touch it. Like a baby or something. "Can I hold it?" LOL Even before they get a chance to really dive into the screen, they gasp just holding it in their hands. So do I, every time. A few bucks a month in insurance is a small price to pay for this much delight.