Just switched to the Droid from the Eris and it's goin well so far. I'm usually pretty careful with my phone, keep it in a pocket all by itself and don't usually put it in any sort of danger. I also have VZW insurance. I bought the VZW clear plastic hard case (I'm assuming hard and soft both protect a similar amount) and the VZW screen protector. This should be sufficient to protect my phone from maybe a drop or two from waist height and accidental scratches?