For my Note 20 Ultra, with the huge camera bump on the back, I bought a case that extends a few mm beyond the bump. This protects the lenses from rubbing on surfaces when put down and offers some protection when the phone is in my pocket.
I would not put anything over the lenses. This would reduce contrast, increase the possibility of flare, and probably reduce the lens sharpness. Plus, any cover over the lens would probably be made of a material that scratches easily, creating the problem you are trying to avoid.