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I think the clumsiness can be improved. I always make a conscious effort when I grab my phone or put it away, so that is is always secure. No "I thought it slid into my pocket but apparently it was still outside it and then dropped". I would grab my phone with both hands in a lot of situations that are risky etc.

It's a bunch of small habits to change, then you may be ready for a fragile foldable. Until then, yes, probably not the target audience!

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The Google foldable seems to be the only one with dust and water protection. It has an IP68 rating. Which imo puts it above every other foldable.
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You can get covers that shield/protect the hinge
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At least for Samsung, when you first turn it on, you get a nice big warning that says the phone is not dust or water resistant, and that you can damage the screen with sharp objects, like your fingernail. [1]

I tried one and permanently dented it on accident with the stylus. Can't image what would happen if you did something crazy like go to a beach.

[1] https://www.reddit.com/r/GalaxyFold/comments/1vhhow0/because...

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I've taken my OnePlus Open to the beach and it was fine. Multiple times. I don't use any case for my phone
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Among other manufacturers Spigen has cases that protect the hinge. I've owned a foldable for 3 years and never had anything get into the hinge thanks to that, though some amount of dust did gather inside the hinge cover over time.

But I would be nervous about spending that much on a phone if you expect to be dropping it a lot, honestly.

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