Heavy use =
1) media playing in moist room (while i am having a shower)
2) 180 levels of RoboDefense in 120 days
3) Lots of internet browsing
4) very oily fingers
Any ideas on these?
What insurance and upgrade options exist once the manufacturer's warranty expires?
1) this is likely your problem... there have been a few issue of the LCD not being 'sealed' correctly (bust can get in). These devices are not meant to run in such environments
2) Good progress but nothing major. There's some people out there that use the device literally the entire time they're up for gaming (especially devs)
3) Not a problem in the least, though get a good browser to make it easier on you (xScope is great)
4) shouldn't be a problem as long as you keep the screen clean (wipe if a few times a day.
As to the options after warranty you should be carrying the insurance anyway as the warranty doesn't cover damage (including water damage), theft, ect. The $89 deductible is a LOT cheaper than the $500 list price of the phone. After the warranty period any instance of the phone not working will be grounds for a claim. At around 18mnths you'll be eligible for an 'early upgrade' so instead of replacing the phone you will have the option to just get a new one (of course this means renewing your contract).