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Install 360 games to the hard drive and you never have to worry about disc scratching ever. My game discs might get dusty but that's pretty much the worst that happens to them. Not a single scratch. The only scratched disc I have is of a used game and that game runs perfectly. The previous owner obviously doesn't know how to take care of his games.

I'm not even sure it's a problem even if you don't install the games to the hard drive. You want to know why people scratch their discs? Because many of them have moved the console or accidentally knocked it over while the disc was spinning. But if you want to be 100% safe, install all your games to the hard drive. It's better for your drive to do so anyway and the drive won't be generating heat on top of the heat your GPU and CPU are generating.