I used to do this, but then I realised I only ever drop my phone because it has a case on it. Now I have it bare and never drop it.
It's literally insurance for your phone except you don't have to deal with the insurer.
I've only used the Express Replacement Service part of it twice, but when I've used it, it's been like magic. I get a brand new (refurb probably, but who can tell) phone within 2 days, and then I send back the old one.
No questions asked, no weeks of wrangling with the insurer.
After the 2nd screen repair the phone has never worked properly, and the face ID stuff stopped working. All in all repairers couldn't do anything about it. That's why I think it's worth putting a cover on it.
I also hide my ID in mine (between cover and phone) so that I do not have to wear a wallet...
And my kids occasionally handle my phone, I don't want to hold my breath every time I see them walking with my phone in hand.
Truetone for example, 100% of the time will start working, that one is for sure on top of the random things that’ll break, sometimes the phone also gets way heavier.
I learned that lesson the hard way which sucks - my iPhone 12’s internet speed was great, but after I had to upgrade it because of the screen, the 13s was shit and Apple never did anything about it - story for another time I guess.
That's interesting, are you legally required to carry ID where you live?
A difference would be if you don't have your licence, insurance, etc. on you at the time you were stopped you can be issued with a "producer" document which requires you to produce your documents at a local police station within seven days.
Also take it to Apple to get repaired, not some independent repairer that sticks crap parts on it. If that's too expensive buy AppleCare! At least you'll get a phone back that actually works.