Yeah, yeah . . . I've heard the "geek factor" argument several times in the past, but honestly there's only one chick's opinion I care about & she doesn't give a rat's @$$ where I keep my phone.
When I'm at work, it's on my hip, visible and extremely easy to grab & replace. Nearly every male that you run into downtown, during the day, carries their phone on their hip. When I'm at home or out & about, by shirt tail covers my hips . . . personally, I'd rather take extra precautions to ensure that I'm protecting my phone. For me, it's practicality over fashion, status or image . . . each to their own though, I can understand both sides to the argument.
Bottom line is whether or not you use a case yourself, someone needs to make a Droid Incredible mount that takes the phone with or without case broadening the customer base to include all Incredible owners.