I don't get people who want to go naked. Life happens. You can be the most careful person in the world but one slip of the hand, someone bumps into you, or you have KIDS, and your $1000 phone is destroyed. At least get a screen protector.
To each their own. My life is too busy to worry constantly to baby my phone. I slap a case and glass screen protector on my iPhone and be done with it
For the record - I own two cases, never use them. Don't baby my phone. It's just a phone. Screen protectors are a racket (I stopped when I realized how much money I was spending on them - plastic scratches and feels bad, tempered chips and looks bad because it's not edge to edge - it didn't matter how much I spent on it, cheap or expensive all of them chipped at the edges for me).
The amount of money I wasted in cases and screen protectors is far more than the cost of AppleCare and the deductible. If my phone gets scratched, it gets scratched.
It's only a phone. My life is just as busy as yours or anyone else's...I don't have time to baby a phone either. I just also dont have time to justify their sheer insane amount of money I spent on cases and screen films that detracted from the phone. And don't mistake - using a case and a screen protector takes away some of the experience of the actual phone.
It's akin to having car insurance and then driving around your Veyron wrapped in bubble wrap. I put insurance on my car, my house, but I don't follow that up with entombing them in plastic and metal 'just in case'.
Hell I dropped it the other day for the first time - apart from a small ding on the corner you can't see unless you look for it, it's fine. Landed on a hardwood floor and slid a couple of feet. Still don't have a case on it. I've never had a broken screen , ever - case or no case, going back to my original Nokia brick 20 years ago.