If you've got the cash buy the Merc, etc etc Iphone. Otherwise, spend $300 on a really solid android phone and then flex on being money smart.
Android devices average 3-4 years before complete end of support. Maybe HN folks will go for alternate firmware, but I'm talking about manufacturer firmware for apples to apples comparison.
That $300 increases to $600+ vs holding on to a ~$500 apple handset when looking at a 5+ years timeframe.
I also drop my phones all the time.
The secret? Buy a good case. It's really that simple.