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Besides, covering your phone's front-facing camera would make selfies a lot less convenient.
What I did was create smart mailboxes in my mail app for filtering.
A couple of months ago, the Columbia University email system was moved over to Google Apps for faculty and it significantly affected my email workflow.
The move meant I now have three gmail accounts, the other two being my personal email account, and one associated with the company I founded, Infinio.
After all, antivirus programs can't catch everything. It's definitely possible to hack into a phone camera, and it's been done, at least on Android.
However, it's probably less of a concern since, when you're not actively using your phone, it's typically in a pocket, handbag or sitting face-up or face-down on a tabletop.