Be very careful on spending your money on a S20 phone. It is well known that the screen was made poorly, and cracks appear very easily or just happen and will not withstand everyday use. I wish I would have done some more research about this phone before I spent $1000.00 in May 2020. I got this phone for my husband as he was using an S6 still and we were changing phone services and he needed an updated model. Every phone we have had, we have never had an issue with a cracked screen, they have always been in cases and screen protectors. We still have the old phones to prove this statement. Samsung does not provide a hard screen protector for this model.
Samsung says our phone is still under warranty and to take it to an authorized dealer. We took it in and was told it was not under samsung warranty because it is a physical defect and once they fix it will lose the samsung warranty also and would cost $300 to fi it. Did not get it fixed yet as Samsung should stand behind their products, they knew the screen was poorly made but still put out the phone because of competition , who cares about the consumer. I cannot afford to replace an expensive phone like this and am really disappointed that Samsung will not stand behind their products, but will put out a flawed phone to stay in competition and make more money for their corporation and screw the working middle class.
You have good reason to be upset. I've heard that the S20 FE phones have a weaker screen for some reason than the S20's.... And overall, I thought the Gorilla Glass screen on the S20's was supposed to be pretty good.
Oviously your husband chose not to get the insurance plan on his phone. That's always a tough call/decison. With my plan which I've been paying on for 6 months is about $11/month (Verizon Asurion) - If the phone gets damaged/broke, the deductible is $250... so at $300 or so, it's $50 more than my deductible for a "broke phone"... neither is good because $300 is a lot of money on top of the orginal phone cost!
There are some strong screen protectors out there... I assume they work on the S20's; I had one on my S8+ made by Zag... Expensive, but worth it. I would look into the possiblity of getting one of those... Good luck!
The S5 had Gorilla Glass 3. - - On some of those phones one has to be very careful if they didn't have a case on the phone. I once dropped an s8+ phone on a tile floor and it shattered the "back of the phone"... it's glass, but not the screen. - - That requires a full deductible on insurance plans for a phone replacement, whereas a front screen oftrentimes has/had a modest cost of $30 or so...
I'm pretty sure the back of the s20's and s21's are plastic so the back won't break.. but of course as the OP stated, the front can break... with some insurance companies, it could be only $29 to replace the front; without insurance it's about $300!