Not everyone live near a Apple Store, 5 hour drive for me, if totally wrecked I would be without a phone for a week with postage.Disagree. People who use their phones caseless will gladly trade off a “potential” AC repair and the inconvenience related to it so they can enjoy the phones daily for hours upon hours a day.
Most people who don’t use cases(not all) are naturally more careful with their phones as well. But in a worst case scenario which most likely won’t happen often, you can get an advance replacement through Apple and get your phone swapped very easily. Really not inconvenient at all, especially when you weigh how much nicer it is to use the phone with no case and the cost is also minimal if you already have AC.
Basically if you have AC, and truly enjoy no case, it’s a no brainer.
Home insurance claim is easier/quicker than Applescare.