If you had apple care plus and an iPhone X, and your phone and keys tangoed in your purse, would you go and pay for a screen replacement? The only thing holding me back, is that in the history of my phone ownership...at some point something goes wrong with my phone and Apple ends up replacing it....and I just hate to pay if something else will warrant a replacement but as of now there is nothing wrong with my phone. The scratches are really only visible when it is off. I would do a screen protector next time. I haven’t had the issue much in the past.