I always have a screen protector. I prefer glass; I’m not a fan of the plastic ones. I pay to have it installed, that way it has to be installed perfectly or they do it again until they get it right.
I’ve broken a couple of screen protectors, but never a screen… Except for the time I accidentally stood on my 7" Nexus tablet, which wouldn’t have been saved by a screen protector, anyway.
I think B.B. King has the solution:
I’ve got a good mind to give up on living and go shopping instead.