I use a case since I dropped it and the back (glass) is cracked. Because I don’t want to risk cutting my hand, I’m using the case that came with the phone.
Still no screenprotector though. There are some micro scratches, but no visible damage when using it.
3.5+ year old phone. No phone specific insurance either.
Case but no screen protector for me.
I use a case, one that also protects the face with high edges, also a screen protector, the hard perspex type. Well worth protecting your investment.
I use a cheap android phone (<$120 when I bought it 3 years ago). I protect it with cheap case + Hydrogel screen protector. I’m satisfied with Hydrogel type screen protector as it still on good condition even after my phone falls screenfirst many times. There are many scratches right now on the screen protector, but it still usable and not annoying as most scratches located on the edge of screen. Most of them caused by falling sceenfirst to gravel ground and asphalt several times… lol.
Glass screen protector. Rear leather skin from dbrand. Insurance from my bank.