@acblue94, I totally understand your point, I thought I would rock my 13 Pro Max 1 TB naked to show off the amazing blue and I did just that for a while. It's a highly personal choice, but I just bought the Golden Brown leather case and Golden Brown wallet on impulse during a Black Friday sale and the combo is growing on me.
-I think the almost orange color of the Golden Brown is a perfect fit for the Sierra Blue which you can still see on the camera bump. It's an amazing contrast. Orange and Blue are common sports team colors like Syracuse for a reason, they just go really well together. I even put a credit card with a dark blue color to it as the one that you see sticking out of the wallet, so it goes blue, orange and then a tiny bit of blue again.
-The orange case just really makes it pop and I've caught people glancing over when I take my phone out because it looks different than the typical black or graphite you usually see. I understand some people don't want attention though.
-The leather case makes it grippier and easier to hold, and then having the wallet on it gives you something else that sort of nestles into your hand and makes it feel nicer to hold one-handed.
-The leather case has these really clicky side buttons that feel great and I think are nicer and easier to find than the naked buttons or even the ones on the silicone case.
-The stainless sides don't get fingerprints anymore like it would if it was naked.
But again, highly personal choice, you can't go wrong, really. 13 Pro or Pro Max is such a good phone regardless of what it looks like.