I'm in the "I'm waiting for Seidio" camp before I put anything on my Incredible.
In my experience, nobody beats Seidio when it comes to quality cases and holsters. They make such nice cases with a nice feel to them and at the same time not adding any noticeable bulk to the device, and holsters that lock devices securely in place. The rare times I'm found inside a VZW outlet, the CSR's are usually drooling over my case and asking where I got it (really, you'd think they'd be aware of Seidio).
Until Seidio releases covers and holsters (I prefer their spring loaded clip holsters vs leather pouches), I'm runnin nekkid with my Incredible. But then too I have the advantage that I'm always sporting a jacket or a shirt with a breast pocket where my device is guaranteed to be found. If I'm enjoying the weather with a T-Shirt, then my phone stays in my hand.
And too, I'm one of those gadget owners who really can't stand screen protectors. I fail to see any real benefit to them (todays screens are suitably scratch resistant as well they won't protect you from impact/drop damage anyway), and I feel they make your screen ugly and less spectacular. I can usually spot a screen protector from across the room.