You are an outlier so your personal experience is within the minority given you’ve said that you work remotely from home. If that weren’t the case you would likely consider using a case as the chance of your phone being involved in an accident would rise significantly. I like my phones to be pristine (or as close to pristine) for as long a possible and I refuse to pay for AC+. I don’t work from home either so cases are pretty much mandatory for me.
I am an outlier, that much I agree with. I vary from the norm in many things discussed in these forums.
That said, in 1999 when I chose a career for myself after seven years with United Parcel Service, I specifically chose a career that has me using computers in an office - at a desk. That wasn't because I was thinking of phones at the time, it was because I didn't want to do physical labor anymore. So, I chose to be a graphic designer.
So from 1999-2020, when I first started WFH, the only dangers any phones I've owned have experienced have been during transferring from my hand to another spot or in restaurants, etc. Work or home, my phones sit in specific spots all day. Smartphones came along in 2009 and I've invested in a lot of business card holders that sit on my desk at home, desks at work and the desk next to my bed. And I'm religious about placing my phones in their designated spots.
In my car, my phone goes in a cup holder - or the center console. At restaurants or places where I'd sit down at a table, the phone goes face up. If something is going to scratch, I'd rather it be the back and not the screen. But if I don't trust the surface I am setting my phone down on, I will put something under the phone.
In crowds, my phone stays put away or I cradle it with two hands. There is nothing so important that I need to be using my phone for while in a crowd. And I am rarely in a crowd, so again, outlier.
I also agree with you on AC+. I generally refuse to pay for it. I have certain rules for myself regarding phones that have become natural to me, which again makes me an outlier.
But the time I did break my phone? I did have AC+ then because the sales rep crammed it on me when he sold me the phone. I just hadn't gotten around to removing it. But I did remove it about a week after getting the replacement.
I like my phones to be pristine too, although a few nicks and scratches here and there don't bother me. I'm not selling my phones on or trading them in. Sometimes, others get a pristine phone from me. Most times, I just continue using them as secondary or tertiary devices.