That's probably un-necessary if you have a quality charger and properly designed cell phone. 0.1A inrush current is not going to do any damage to the gold plating. However, if you have a no-name charger, or worse are charging from a "stiff" 5v source, it's worth checking what the charger does. I have a USB extension cable where I cut the heavy 5V positive wire. I put various ammeters in series to measure current drain. Today, you can get such devices on eBay for very little: However, these will not show the required 0.1A inrush current limit or any current spike caused by an oversized capacitive load. For those, I insert a 0.1 ohm resistor (actually a length of nichrome wire). Using a dual trace oscilloscope, I put the Ch A probe on one side of the resistor, and the Ch B probe on the other, and the scope in differential (A-B) mode. That's necessary because grounding the +5V power line with the scope probe ground is not a good idea. I can post a photo of what it should look like if anyone needs a sanity check.
Note that USB 3.0 is different. Current is now up to 900 ma and overload protection is required:
Simulation of USB 2 inrush current:
The design of the micro-USB connector system intentionally moved all the failure prone parts to the plug. There's not much you can do to improve or protect the receptacle on the phone end, but plenty you can do on the cable and charger end.
There is an amazing amount of junk USB power supplies out there: The real Apple charger: and the not so real clone:
I bought a few cheap USB car chargers on eBay, and stupidly passed them out to friends as presents. After I looked inside, I had to run around and confiscate them before they blew up someones phone. Notice that there is a short across the data wires (used to fool the phone into believing that the maximum current available). The front has two USB jacks, labeled 2A and 0.5A. With the short, they're both identical. I tried to build an LTspice model of the device, but failed because couldn't identify the chip used.
I later bought some of these which are fairly cheap, and won't kill your phone: