I have an appt at best buy to get the TB on thursday but I'm wondering how they are different then buying from verizon. i am reading that they may not come with the 32gb card and have an activation fee? actually according to BB's site, the card is not included: microSD card slot Allows you to store or transfer media (card not included). http://www.bestbuy.com/site/HTC - T...49051&st=thunderbolt&cp=1&lp=1&contract_desc= perhaps i will cancel my appt if the card is not included. no reason not to get something free. also, how much is insurance from best buy? if i buy a phone at best buy, can i get insurance from vzw (if it's cheaper)?