I recently heard about a friend who clicked a link in a text message and infected his phone. The device was hijacked and he had to go to the Verizon store and in the end had to have it wiped clean and a fresh install. Sure you can have everything on you phone backed up to a cloud and get important data or contacts back but why go through the trouble? I see people taking their smart phones for granted. You used these tools more and more these days so I suggest you stay protected.
Your IPhone or Galaxy device is like a computer and you may even use it more than your computer. I just set up full protection on my phone and suggest you do the same. Most likely you can get this free from your provider. I got a whole anti-virus and threat protection from Verizon included with the monthly bill. You just have to turn it on. I set mine up to scan automatically at night while I am asleep. Had I accidentally clicked an infected link on a text message I would have been protected.
Here are a couple of screen shots of my phone