I baby this phone, but am in between screen protectors. I don't know how it happened, but there is a tiny nick in the screen toward the bottom. It looks like a large-ish piece of dust that will never come off. Would any of you out there pay the $100 to get a new phone under the insurance, or would you consider this just "knocking the new off of it?" Nobody in the world would notice but me. But it's like a dead pixel. It's all you see. I figured my OCD brethren on this forum might weigh in on what to do. Later.