It’s case by case. I buy AC+ w Loss & Theft, as I tend to break my screens and damage the boy whether I have a case and protector or not. I have a friend, tho, who had a 6 Plus, XS Max, and now 15 Pro Max - never had a case or screen protector on his devices, no Apple Care, and has never damaged any of his devices. So, it depends on how clumsy you are and what your phone health karma has been like!
It’s case by case. I buy AC+ w Loss & Theft, as I tend to break my screens and damage the boy whether I have a case and protector or not. I have a friend, tho, who had a 6 Plus, XS Max, and now 15 Pro Max - never had a case or screen protector on his devices, no Apple Care, and has never damaged any of his devices. So, it depends on how clumsy you are and what your phone health karma has been like!