I just got the Razr Maxx today and am considering getting an otterbox defender and dropping phone insurance. My Droid held up fine without a case but ended up a bit worse for wear, I didnt need to use the insurance on my last phone and it does not seem to be worth the cost over time. I had two friends that had defenders for their iPhones in college and it seemed like they did the trick. My question is do I need to go as far as the defender or could I make due with the commuter. For work I plan on getting into law enforcement but for right now I dont have a job that requires the extreme protection of the defender, although I may in the not too distant future. Personally I like the sleekness of the phone but protection is priority (dont feel like having to buy a new phone).