I am the same way, however if you get a very standard smartphone that fits into your hand and add an extra plastic sheet over the glass plus maybe a rubber jacket its pretty tough. You still shouldnt put it in your pocket with anything else, and expect a few bubbles under the plastic. I keep the screen facing my leg. Occasionally the phone comes on and randomly starts up programs, but I feel its worthwhile considering the cool apps I have found. If you need your phone to be impervious you can spring for a thick Otter case, but I dont think its necessary.
Oh, one more thing. Generally the text is tiny and the tiny onscreen keyboard will cause typos. Some of the bloatware will never uninstall, so you will need to add firewall software. If its Verizon you can also forget about rooting it.