No, too cheap to pay for extra on plan. Generally don’t have any issues with my iPhones. Only had a hairline crack on my iPhone 6 like a week after I bought it because I threw it on my jacket pocket and very edge of screen cracked when hit my belt’s buckle. Got it replaced a few months later when my iPhone started acting up (was mostly software, but was able to convince genius bar guy to exchange it for free)Do you have T-Mobile’s protection 360 or whatever it's called? I just learned today if you have it and buy a screen protector in store, they'll give you free unlimited replacements as long as you have the phone. I already got a 3 pack of protectors from amazon, but now I’m considering having T-Mobile do mine. That way I’ll get a perfect install (I’m never happy when I do it myself) and free replacements.
Aside from that, no issues— dating back to 1st gen iPhone. (Cannot knock on wood enough)