With foldable phones you have to set expectations correctly. They are not as fragile as everyone seems to claim but at the same time if you are not careful with your devices in general you will not have a good time with a foldable. The very nature of flexible screen means no scratch resistance. So if you are one of those who work in construction yard and don't like wiping hands or you just throw your phone in your pocket without thinking, chances are you'll damage your device.

I have Fold4 for almost a year now and not a single scratch on the device. I don't pay special attention to it but at the same time I don't put my phone just anywhere, especially not on hard surfaces where a single spec of hard dust can scratch it. Things like blowing dust off of screen before cleaning it is common sense for me knowing that inner screen is pretty soft. I also don't wipe my inner screen with my t-shirt, etc. Common sense.

All this said, Samsung does provide first screen replacement at significantly discounted price, almost symbolical. I also have, for the first time, phone insurance which is few dollars a month and they provide a bit of additional security for me.

No idea about that because in that case we would ask that person to deal with Samsung directly.