Well, I'm in my mid-30s, if it helps. I remember my first 5 phones would split into multiple pieces with sim always being ejected when dropped. They still would work after put back together, tho.

It's really more "I got extended warranty, and I'm not afraid to use". I live in LA, so I'm never too far from the nearest store I can replace mine. All data important backed up. Dropping a phone for me will result at most in a minor-to-medium annoyance.

I only fear of getting the phone too wet because battery disconnect is practically impossible today.