So far, I have got no scratches but I do get dust lodged in the edge of the plastic and lens. A lens cleaning brush easily cleans that up.
I thought of cutting up a screen protector and sticking it on the lens but I realized that I might introduce imperfections when taking a photo.
So I decided to get that Nilkin case with a lip around the camera bulge.
Another option would be to get an O-ring and fit it around the lens. There was/is a commercial version that has a flat side with adhesive.