What I'm saying (and those screenshots illustrate) that if you put it in a case, it'll be worth more when you sell it, which is why people do it. Apple's trade-in questionnaire does ask if the phone is free of major dents and scratches, so I think they do care, and it does affect the outcome of the apple questionnaire.
You've put a price on carrying the phone caseless, which is fine, because you've put how it looks ahead of how much you'll claw back when you sell it, should accidents happen. Others have hedged their bets by paying for a case and protecting the phone from the scratches that devalue it.
I personally think it's quite naïve that you seem to think accidents don't happen, and car drivers who've been on the road 20 years without an accident will go 21 years without an accident, the same as your phone will remain unharmed if you drop it.
There is a risk you will drop it on a surface that will cause the screen to smash / crack / scratch, no matter how small that risk, and others manage that risk with a case. I can't see how you find that bonkers. It's perfectly rational in my eyes, just as it is rational to have a caseless phone and have that risk but be happy caseless because you prefer it.
