i thought id chime in with a story. i did drop my phone, but hopefully you guys can learn from it...
i was using my phone "naked" but would keep it in a soft sunglass case to minimal protect it from my pockets if dust was in there. I went to take it out of my pocket during a baseball game, it caught the edge of my pocket, slipped out of my hands (bad thing about this phone with the slippery design), fell screen first and spider cracked.
it ruined my night and i wanted to just go home and begin research on how to deal with this mess. i did NOT opt for insurance through AT&T. the screen's touch features and LCD was just fine, it appeared to be the glass coating. anyway I had to ultimately ship it to samsung to fix for $179. not bad considering if i did opt for insurance through AT&T, i would have still had to pay a $200 deductible and $10 a month on my bill. i need my electronics pristine so i wasn't going to deal with a cracked screen.
when my phone returned i bought a rock quicksand hardshell case. its thin and leave some exposure, but its grip is a legit sandpaper feeling, so taking it out of my pockets is better. if you go naked, just make sure to deathgrip your phones. don't want to deal with fixing it or shipping to samsung and waiting close to 20 days to get it back.