No need to lie, especially when the truth is so easy to find on Apple's own website: http://store.apple.com/us/product/AP...are-for-iphone
Apple has NEVER offered standard accidental damage warranty coverage on any of their products. A broken screen on an iPhone costs $99 upfront for AppleCare+, and a $49 service fee for the accidental damage repair.
Yeah, you'd have to be smoking something real strong if you think they're just going to fix your $650 device that you dropped for free.
I did go caseless with the 3GS for year. It survived quite a few drops on carpet, but even the first drop onto concrete separated split the plastic. Still works, but if it was the 4 it'd have shattered completely. A friend of mine went caseless with his 4, I told him he was crazy, he said, well, he hadn't dropped it yet. Next week he had a shattered screen. I've got a 4S with a rubber case that has the little lip coming over the front. I've dropped it face first onto concrete several times, and not a scratch.
If they were really serious about making it light and not form over function, they'd skip the metal and glass, and just make the damn thing durable without a case. I'm sure Tim Cook doesn't need to sweat it cause he's a billionaire, but normal people do.