Depends what your daily life looks like. I do grocery delivery and DoorDash so I’m walking while holding my phone in one hand, getting in and out of my car dozens of times per day, walking on stairs and asphalt frequently, etc. I feel like I’d probably have issues at least with the screen if I dropped it in the course of my regular job…and I don’t want to find out whether I’m right or not. So the $20-40 case is worth my peace of mind, especially compared to the $150-250 it would cost to get a replacement with the insurance I have on the phone.