Trying to envision how the dangling keys would actually happen. You would have to be carrying your phone screen out at waist level and, in these days of social distancing, get close enough to someone who has keys dangling from their belt or hand? Doesn't seem like a common occurrence.
A more common occurrence is to put your phone in a pocket with keys and grit. I've done both and have never had an issue. My xs max (in an apple silicon case) also fell off a window about 4.5 up and hit a wood floor without any damage.
YMMV with all of this and make sure you have AppleCare on your phones.
