I don't know, this still feels like hassle to go there, hand in your phone, plan accordingly as you'll spend some hours without, and go get it back later. If that happens once a year fine, but still, I'd rather just get a case (and save the $10/month AppleCare+ seems to cost).

It's not a problem for me to be without my phone for a few hours, as I can still text from my Mac (except for RCS + SMS messages). But yes, it's definitely a downside. I prefer the comfort and weight of a caseless phone. For me, the phone has been incredibly resilient and outside of once having a potlid drop from the ceiling on my phone, shattering the front and back of the phone (which was replaced in 3 hours, next day, when I broke the phone at 9pm).