I'm pleased with S10+ its probably just as fragile as the S8 or S9. I use a slim gel case. I dropped it three times on the corners waist high with no damage. the upgrade is worth it because of the wide angle camera, it's really useful and the speakers are really good if you like to watch videos on your phone.
no, never buy insurance, I've never cracked a screen since my first Android 2012. I'm using the factory pre installed screen protector. that cheap plastic one. scratches easily. when I get a chance I'm going to get the white stone dome tempered glass screen protector. I hear it's the best.