I have not cracked mine but am locked down with little oppertunity to drop it. I have wondered, though, what the front camera cutout does to the structural integrity of the glass.
I've been with a note 1, 2, 3, 4, 8 and now the 10+ and only on the 8 did I consider tempered glass savers as they came with frameworks to apply them flawlessly and.. The whole curved screen edge things.
Didn't get an option for that on the 10+ ones and threw them both away after they made an oily, underprotector ring around the fingerprint scanner that caused it to fail.
The phone does rock though.