In my experience, the cloth is there as an added layer of protection from things moving around unexpectedly *within* the case. More of a “just in case” (no pun intended) protection. Just because items inside don’t typically touch doesn’t mean they won’t in that rare case something goes awry, or you forget to clip a bow in properly. Am I saying the cloth is a necessity? No. Does it provide peace of mind? Definitely. However, don’t go off buying a new case unless you’re truly concerned about the instrument (ie. noticing explainable marks or shifting of strings/bridge/etc).