>The fact that I have Apple Care for my phone. The policy is - screen replacement for $29; back replacement while keeping the same screen for $99; replace the whole phone for $99. If anything happens, I can just use the most out of my Apple Care to repair or replace the phone. I've never used Apple Care for my iPhones until the 13 Pro Max. This staff never uses a case because of that (although idk if she uses a protector, though)

Well, that screen replacement is actually $228 because you had to buy the AppleCare plan in the first place. It's $329 without, so a $101 savings if you need it, or you are giving them $199 for nothing if you don't.

I'd personally rather keep my money and take the risk that I won't need it at all, which is exactly what I've done for the past 14 years. I also never use a case. Or a screen protector.

Having a $100 less expensive screen replacement doesn't eliminate the hassle of having the broken screen and having to take the time to get it fixed in the first place. The case offers extra protection against damage. The protection plan offers a cost savings if damage occurs anyway.

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>But how about going naked?

It's the only way to go.