rdt595, you're probably right. I'm just chicken, I'm afraid
I'm careful about dropping my phones. I have a glass screen protector, and insurance. The back is replaceable, and the screen is protected.
With insurance, I'm protected against the "catastrophic" events. But I still don't want it to get dinged up (the type of damage that would bother me, but maybe not enough to justify a $150 insurance deductible).
In my example, it probably would have landed on an edge, which I can't protect or replace easily, except for a case or bumper case.
But I should probably just try to relax a bit about this stuff