I use a drop-protection case, but no glass-protector. Not really necesarry for me.
I have had my phone for close to three years and gone through three or four cases, but it is still in pretty good condition. No scratches or microscrated on the body or screen and no dents.
I paid $200 for an iPhone SE about 5 years ago, then put the phatest case I could find and a tempered glass screen protector on it. It's practically in mint condition besides 3 battery replacements, and I can use it one handed!
I use a case since I dropped it and the back (glass) is cracked. Because I don't want to risk cutting my hand, I'm using the case that came with the phone.
Still no screenprotector though. There are some micro scratches, but no visible damage when using it.
3.5+ year old phone. No phone specific insurance either.
I use a cheap android phone (<$120 when I bought it 3 years ago). I protect it with cheap case + Hydrogel screen protector. I'm satisfied with Hydrogel type screen protector as it still on good condition even after my phone falls screenfirst many times. There are many scratches right now on the screen protector, but it still usable and not annoying as most scratches located on the edge of screen. Most of them caused by falling sceenfirst to gravel ground and asphalt several times.. lol.