So, I don't want to be boxed in to a 2 year contract with VZ, but right now I don't want to go anywhere. I love what I've seen from the EVO, but I'm not willing to wait until summer, due to having a brutally old smartphone (I broke my BB Tour, so now I'm using an 8830 BB Curve). So... I've decided to pay full retail for the phone (Droid Incredible). But I'm confused on my options as far as insurance goes. From what I understand, the cost of the phone will be the same at either place. So it seems it's more a matter of who has the better insurance and at what cost. I've read the confusing PDF and it looks as if you have to sign up to a plan through Best Buy, but I'm not sure I'm reading it right. I'm conflicted because I do drop my Blackberry a lot (and have been saved multiple times with its case. That being said, I've had an iPod touch for almost 2 years (and yes I've dropped it), but I still have it without any major scratches. I want insurance against a busted screen. Thoughts?