I don't care if it has a screen protector installed or not, if the price was the same I suppose I wouldn't mind. However I disagree with your premise that "nowadays" the screens are easier to scratch.
From everything I've seen in online scratch-tests, the phone is no more scratch-prone than previous models or other similar devices. I guess the big benefit of an Apple factory screen protector pre-installed is that we can be sure Apple will have tested it with their cases to avoid a situation like what happened on the Mini pre 14.2.1. I suppose a sapphire glass screen protector would really be nice as it would be a best-of-both world's type situation. You'd get the scratch resistance of sapphire, with the shatter resistance of the underlying screen.
This year was my first time ever applying a screen protector to a glass-screened phone. My wife had a friend apply one to her phone on her trip to china last November. Friend was shocked we never used them. The wife likes them now, so I bought an ESR 3-pack for her 12-Pro-Max. I installed hers and it was so easy I figured...what the hell, I may as well put one on mine also. It really was SUPER easy compared to the old "plastic" screen protectors we had back in the old Palm pilot days.