Had a 1020 for about 3 or 4 months, dropped once or twice mildly with 0 damage. I went this time with no case, no screen protector, nothing. One day, in the kitchen, above tile floor, I was sitting with sweatpants on and my phone in my pockets. Moved over slightly, it just slid out of my pocket and landed in that one wrong angle. The sound of the cracking screen was evident, but when I picked it up, the corner took some small damage, and the screen was cracked. Otherwise, worked flawlessly.
Fortunately, I have the Microsoft Assure plan, so I went to the Microsoft store that day and they swapped it for a new one (less $50 deductible).
Now I've had this one for about 2 months or so and have always kept it in a case. The case has varied, but when I take it out, it still looks flawless. So far, my favorite case has been this one:
At T Nokia Lumia 1020 4G Jet Black Fishnet Black Dual Hybrid Hard Case Cover | eBay
It comes in a variety of colors too, but black is good for me.
I also now have an invisible shield that I had someone from the mall stand install for me. It looks great and has none of that orange peel effect that everyone complains about.