well, you gotta say how you feel....
1. yes, reporting your phone lost or stolen to get a new one is weaksauce and it is a reason we pay so much for them and insurance.
2. yes, you will probably get a refurb, it will be pretty much new though, shouldn't have moarks or dings on it.
3. common misconception about returning a unit 3 times in 60 days, that is not the rule, seriously, my wife took her storm back 4 times in 60 days with legitamate issues and she brought it up and they shot her down each time.
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