I'm loving my white 4S. I ordered a black and white combination bumper off EBay. It's minor protection. It gives me the satisfaction to keep it half way naked but protected a little bit. I have Apple care so if by just I did drop it and damage it I could get it replaced. I've been lucky enough over the years to have never dropped any of my iPhones (knock on wood).
Keep in mind, I have yet to see a case that covers the camera lens.And one of the reason I think I really need a case is because the camera lens get scratched up causing blurry pictures.
My left pants pocket has been designated "iPhone only" since the original model. Nothing else has entered that pocket in over 4 years.I never use a bumper. You guys must be rough on phones. I always keep it in my pocket and typically with a flded paper towel in pocked. It kind of acts a divider between my Cash / Credit card, lighter and phone. But I can say. I had my iPhone 4 since lunch day. Not a scratch on it.