I have the black commuter. It's great. I think it's the best colour to get since it won't get dirty. The buttons are very easy to push, it easily slides out of pockets, lovely grip on the phone, and it feels nice and sturdy.
Wouldn't get a phone without a protective case anyway. Insurance is overrated + there's always are some terms and conditions that make it useless and cheaper to fix the phone if you need to rather than pay the replacement cost. I've paid insurance for 2 years, and just keeping the phone in a case, and not using it in the bathroom (yuck) made it last.
Paying insurance for that long is a waste, just get an otterbox and that's that.
Really like my otterbox commuter.