Bit of an old thread, but here's my 2 cents for anyone else that comes along...
My wife just got a new 1020, and right away, with a couple of days, was complaining of light, fine scratches on her screen. On the top and bottom quarters of the screen mainly...like you might expect to get from sliding a phone into, and out of a pocket. We were both confused, since I had made a big deal out of the phone having Gorilla Glass 3 and of course the "legendary" Nokia durability. And my wife had been treating the phone very gently...
So, after a bit of reading, here one WPC and elsewhere, it looks like the Gorilla Glass is actually UNDER a layer which is supposed to be anti-glare, or fingerprint/smudge resistant, or super- touch-sensitive, or some combination of those things. And to my fingers, and compared to my ATIV S, and Nexus 5, it feels like plastic, not glass.
So given our experience, I would rate the screen on the 1020 as quite scratchable. A Screen protector is highly-recommended
And having said that, and seeing how many people were having trouble with screen protectors that were too small I suggested that maybe she should get a ZAGG Invisible Shield. They're usually $20 each, but Futureshop had them on for 1/2 price. My wife had one on her iPhone 4s and it went the distance for her, but I never liked it...it kind of gave the screen a matte, dimpled look, and felt a bit sitcky. But they seem to have advanced things a bit and the new one seems smoother looking and more glass-like. She likes it, it looks good, it's the right size, it sucked right into the fine scratches and they are no longer visible at all.