My brand new replacement Defender case just arrived today for my Galaxy Note. The screen cover got scratched after lots of abuse from keys in my pockets. So they sent me an entirely new replacement case. I also drop my phone at least once a week. Even trust the case enough to drop my $500 phone (no insurance mind you) from six feet demonstrating to others my faith in the product. There is nothing more rugged and dependable then Otterbox Defender on the market PERIOD imho.
If you go with the defender you wont even have to pay your carrier for protection ever again. In just six months the case more then paid for itself and with the replacement it should get me two years of protection for less then a single repair deductible. You never know if accidents will happen even if you never dropped your device before. The only downside is the added bulk can be annoying at first but you should get used to it fairly quickly.