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People are always breaking iPhones from dropping them (despite having flexible covers on them). The hard cases ensure that when you drop it, minimal damage is done.
The hard case. The one that has a top in bottom piece and you slide them to lock it together. I have dropped my phone so many times face first, full impact, and i have not one scratch or crack on my phone.
The refurbished iPhone is just an iphone that some other person had shipped in because of difficulties.....so apple ships that person a new one, keeps the broken one, fixes the broken one and then resells it for a fraction of the price. I think they put a new body on it if its damaged but not sure.