If it’s an issue, maybe don’t bother.
It might not be the case but if you’re using the protector just to have a ‘hypothetical future’ in the bank where you can go without one… you might as well just go without one now - actually enjoy the thing that you’re worried you might not get the benefit of.
“I like the idea of a neat screen and hate the idea of a scratched screen, so I will choose to
never actually get the benefit of a neat screen.”

- I find it counter intuitive! but maybe screen protectors are much less ‘invasive’ these days!
Unless you’re a known clutz, you can choose to take a little risk and to ‘just deal’ with your microscratches.
My 14 pro max has a single ‘prominent’ micro scratch that I can see in certain lights but it’s totally irrelevant for actually using the phone… I can’t see it as I type this.