Fellow Hero owners: Do you guys prefer the Sprint or the BB Insurance? I have to decide which one to get! They are both $7.99 a month (for the most complete plan). The BB one does not cover loss, theft or complete submersion. The Sprint TEP one does, but there is a $100 deductible. The BB one has no deductible. What do you guys have? Any recommendations based on past experiences with either plan? Thanks!