I just found out I can get the banking app from the protected section of the market!! So, that's happy stuff for me. I am good with v3 for now, and I learned yesterday how to brick my phone (get it stuck on boot) if I truly wanted a replacement (it's reversible, but I'm figuring a clerk wouldn't know that).
At this point, however, I don't see any real need for that other than getting root. I'm not even sure if I really want root, or if I just want it to screw with my phone (haven't researched the true benefits yet), so I think I will just sit on this until something comes along that I absolutely have to have instead.