I have a headache from reading all that in bright blue font....
But anyway, I've dropped mine a few times but I also have the defender. No damage. The way I see it, if you drop your phone without a case and it breaks you have NO right to complain... It's your own fault. That's the same as all the people who say they won't use a screen protector and then whine about having scratches on the screen.
(not that you are complaining, but some of these people will most likely respond in this thread... I smell it coming.)