I need some opinions on the value of having a camera lens, particulariy on handheld devices (besides standalone cameras) like phones, pda's etc, protected with some sort of shutter type thing. How many of you have camera phones, or pda's with built in cameras, and is the lens protected with something? If not, do you find it to easily get dirty or scratched?

How big of a deal is it, not having some sort of protection for you lens concerning the devices mentioned above?