I like mine uncovered. I have the holster which keeps from having dust problems (had phone and holster for 2 1/2 months now) and keeps from scratching in pocket. Covers/cases I have had for phones in the past have inevitably scratched the phone under the case from dust/dirt getting underneath.
Mine is naked. I hate how cases make it look. Plus I spent $25 on that charging cradle and it only fits in without a case. I guess I could take the case off every night, and put it back on every morning... but that's too much effort.
I'm very careful with my phone. Other than the large amount of dust under the screen I haven't really damaged it.