If you’re the kind of person prone to drop things, what you need is a case! I always had case on almost all my iPhones since #1 and dropped them 2-3 times. My wife on the opposite is a “dropper”… Her Apple Watch just been replaced due to too many drops and her new phone landed on the ground already several times but the case saved it. So far. Having your 15 fixed is upon you and your wallet. You can still get Apple insurance but if I remember well it doesn’t cover cosmetic damages
And privacy… opposite of everything Google