IMO it looks like Apple took this tradeoff by assuming people will get a case, and all the ones i've seen (and have[0]) include making the back of the case either flush with the sensors or further out than the extruding bump.
As someone who has had a naked iPhone since the iPhone 3G and has only once dropped an iPhone in a way that damaged it, all the cases just seem so crappy and cheap compared to the feel of my iPhone. I’ve tried a few and always return them. I almost never put my phone down though as it’s almost always in my pocket or charging or being used, so I don’t really care much about the bump on my 12 Pro Max.
0: https://www.spigen.com/collections/iphone-13-pro-max/product...