While I see your logic, I just want to play devil's advocate for a second. I haven't used a case since the iPhone X. As the screen sizes have gotten bigger, I've found adding cases makes the phones too bulky for my liking. On top of that, I hate the idea of covering the phone designs with a case. The iPhone Upgrade Program comes with Apple Care+ and the deductible for a shattered screen is $29. That's $6 less than the price of your case. I think careful people can live without a case (with the worst case scenario being paying $29 for a replacement screen). Of course, if you crack it once and have it replaced, I would seriously consider putting a case on it after fixing it because my recollection is that Apple Care + only covers two instances of accidental damage.
I really think it comes down to the person. I have friends in the construction industry who would break their phone once every two weeks without a case. Conversely, I sit at a desk and try to be very careful with my phone. It's not uncommon for me to only drop my phone once every few months, if at all.
