A scratch from Velcro... -Most likely from a grain of sand caught inside the Velcro.
As a jeweler, I can tell you from experience with mineral hardnesses that there are a LOT of every-day substances that will scratch glass.
There's always one thing missing from discussions like this; That major variable of "application", or in this case, environment.
If you're a cubical jockey and press keys for a living, the idea of getting your new Droid scratched simply from putting it into your pocket might be laughable. But for those who do other jobs, such as construction or landscaping (...I was a landscaper for 12 years not so long ago), you know for certain that your blue jeans or carharts coming fresh & clean out of the dryer STILL have quartz sand in the pockets.
A ziplock bag- funny, and "way" ghetto, but until I find a case I'm happy with, that's exactly what I've been doing (because I also suffer from "OCD-eye").
As for the "specs under the screen" issue, I've been thinking about rubbing clear silicone sealant into the dust-trap at the edge of the glass. If it's done correctly, it would hardly be noticeable, and it would certainly keep specs from finding there way under the screen, which to me would be about as bad as a scratch, really.