The first layer of material beneath the inner screen protector is plastic, not glass, and yes it scratches easily, especially with those fine micro scratches.
@Jay64 yes I saw other posts of people saying just that. I do have a single small bubble right at the crease but (for now at least) that's the only one. I got the phone in late November so I guess it's still early. I think I prefer the bubble to the risks of scratching the screen without the protector. What I am really hoping for is a non-rubbery replacement that Samsung develops. Maybe that is hoping for too much :).
I have a clear aircraft speed tape ( not the metalic one) that is used to cover the clear plastic navigation light lens on the Bombardier CRJ aircraft. It does have that soft rubbery feel to it. There is also quite a bit of tape covers being sold at the phone stores to cover the phone lens. You can also buy a micro finishing compound for headlamp restoration. Finally you can buy a microsanding kit that will alow you to sand over 3 thousandths grit and then use a polishing compound to clear up any haze.