Yeah, to me, leasing is good if you know that you are good with NOT dropping/damaging your phone. If you know you are careless with your phone, then you should get insurance with the lease. Then at that point, it becomes more expensive and not worth it to me.
Even with a non-lease, if you are careless with phones, you should get insurance. But at lease with a non-lease, the phone payments go away after 2 yrs (or less), IF you keep the phone.
I will probably do a lease thru Best Buy, maybe when the GS7 comes out. I am pretty good at keeping my phones in good condition.