Personally, I don't have any kids to worry about, and I never drop my laptop; maybe I'm just careful with it.
My phone, however, gets dropped somewhat frequently, since by the nature of its use, it's exposed to much rougher handling than my laptop (which generally stays at home, or in my padded laptop backpack if I'm traveling). So I have an Otterbox Defender on that, which I'm sure has saved those phones many times. I would never go caseless on a phone; that just seems like signaling "I'm so rich, I can afford to be reckless with a $1000 phone".
