Well I always use Otterbox covers and full screen tempered glass 9 DH or some crap. Through this I managed to protect my 11, 12 and 13 Pro. Wasn’t able to protect my 8 before that. My 7 still works and has a Spigen armor cover which is also very good but I don’t like the new range of Spigen armor with a kickstand.
The only recent damage I had was when my wife washed the 11 in the pool and Apple only charged me 95 bucks to replace her 11. Combine it with the apple care I bought for her for 157 bucks it isn’t bad to get the full phone replaced with a brand new one 1 month before the 2 years were about to finish.
I am thinking about getting Apple Care for my 13 Pro as well but it is 210 bucks so am still contemplating if I want it. I got it for my wife and little kid as they are likely to destroy the apple products.