Samsung Galaxy S5 Active

We were having a bit of an internal debate this morning and figured we'd turn it over to you fine folks. On a "rugged" phone like the likes of, say, the Samsung Galaxy S5 Active or the Kyocera Brigadier with its Sapphire Shield glass, would you still use a case on top of all that armor? On one hand, more protection is more protection, right? But on the other hand you'll have an even bigger phone.

What say you?