I’m always amused at people who upgrade to the latest phone regularly and then keep it in a bulky case. Around iPhone 5, I switched to buying 1-year old used phones about every 2-3 years and enjoying them without a case.
Only non-minor damage I’ve suffered is I broke the volume down button (the spring behind it, really) on my Xs Max. Minor scratches I don’t care about. I’m pretty amazed at how durable the phones actually are and, if I break one now, it’s probably an $85 screen and an hour of my time or worst case a $400-600 replacement phone.