To those who have been having issues trying to force the update with the date trick. When I did it, I went in and unchecked the auto update feature in the date and time, set it to 10/2/2010 and backed out. I was on 3G only. After a few seconds the date switched back. I got a notification that my swiftkey beta had expired (no loss, hardly used it) and I had 2 updates from the market. I downloaded those, then went to check in the setting for software updates. It was already downloading. There was nothing in the notification bar, no tone or vibrate, I didn't power off the phone after I changed the date, nor did I turn off background data. Even though the date only changed for a few seconds it must have been enough to start the update.
Also, I have not done a factory reset. I have not experienced any lag or anything, no little bugs (except a few of the widgets didn't update, so I sent them to the trash & reinstalled them on the homescreen & they work fine). I may be able to squeeze some more speed by doing a factory reset, but I'll wait a bit for that. Soo far my battery is at worst the same and probably better. My quadrant scores range from around 1150 to 1350. I'm a happy camper!