Pretty sure, most people going naked have Apple care. If that’s the case, I would too, but personally, I’ll keep $180 in my pocket by going slim case + glass protector instead.
I don't use cases or have AppleCare. It's the risk I'm willing to take. No drops or damage to date. But I am always cautious with my devices, but I do recommend AppleCare for those who might be more prone to accidents.