Always a case and SP. I work hard for what little money I make and don't want to ruin my phone. I'm also very OCD about my phone and case, so much so that even if one of my cases gets a scratch, I stop using it. I protect my phone like it's a showpiece. I almost don't want to use it for fear of damaging it. I treat all my things as if they were priceless treasures, and they tend to last a long time.
Most people I know have cracked screens and scratched up backs. I couldn't sleep at night with a phone like that.