With advancements in chemically-strengthened glass scratches are less of an issue these days, but it’s not a completely solved issue. And if you drop your phone, the glass can still crack.
Repairing a broken screen could easily cost $200-$300. An out of warranty screen repair on an iPhone 7 Plus costs $169, but you can buy a working 7 Plus for $155 or so. And that’s not an Apple issue either, Samsung Direct (in the US) will charge you $249 to replace the screen on a Galaxy S10 and again you can buy a whole phone for less than that – $234 or so (second hand, of course).
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