Hello all! Ordered a Droid X, should arrive today, and now I am wondering about insurance. I was thinking that the insurance was not such a good deal, since there is an $89 deductible, and then all you get is a refurb. And, it costs $8 per month! The extended warranty - is just $2 per month, but that of course only covers manufacturer defects. And, the customer service person could not tell me if you pay for the extended warranty even during the original warranty period, but I suspect you do. I'm just thinking, that refurbs are not that expensive, and for the cost of the deductible and few months insurance, I could just get a refurb is the phone goes south. But, I would like to hear your experiences and thoughts on this! Thanks!