These screens definitely ain’t cheap !
I use a s8 which has curved screens so the screen replacement is around £250+ mark.
My suggestion would be to use a Samsung Service Location or if one isn’t local then send it to Samsung. This means then oem original parts are used by a trained authorised engineer and your manufacturer warranty isn’t voided.
Of course other options like a Highstreet Store that’s advertises repairs is an option but they may not use oem original parts, inroduce dust when opening it up , cause other possible issues and this will void the Manufacturing Warranty.
Home Insurance , Mobile phone stand-alone Insurance Or Some Bank Accounts provide mobile phone cover as a perk of the account could be an option. T&C’s and excess fees would need to be checked.
To add it maybe a beneficial option to place the phone in a Bumper or case to protect it.
I understand some like to have their phone naked but this would come Hand in hand with possible accidents.
I prefer a minimal approach on my s8 so I have a Rhinoshield Crashguard Bumper on it coupled with a dbrand Black Dragon Back Skin and Samsung Official Film type Screen Protector.
Current Phone ~
Samsung Note 20 Ultra 5G SM-N9860_256Gb SnapDragon 865+
Samsung One Ui 3.1/ Android 11.