I have an Otter Defender but I usually don't use it unless I know I am going to be doing something messy, dirty, etc. It makes it too bulky, seems to interfere with the screen sensitivity and sound so I use mine "naked" most of the time. I have 3rd party insurance on it that protects against droppage water, etc (Squaretrade). I also leaves me free to use the dock, phone holder in the car (Griffin window case). After all it is just a phone - a tool plus I am very, very careful with it. By the way thanks Primetime - I will have to check out the one you recommended.