I agree with michaelkriss, I would pretty much be satisfied with anything not the red (preferably white and considerably yellow). For a variety of reasons, the glossiness just doesn't cut it for me.
I'm thinking just getting a skin for the phone and a clear case
I doubt you wanna do that. Considering the land mass of the phone, with just a skin/clear case, if this phone should ever fall, you would wish you had a better case on.
I have seen a lot of people in the forums with this regret. And fixing the screen/digitizer could be pretty facking expensive, and not just any repair guy can fix it.
I advise you get a real protective case.