Not at all. Mine is up sometime next year but nothing has come out so far that I would upgrade too anyway. There will always be something "newer and better" coming out.
This is the truth. When the incredible came out I wanted that, when the Droid X came out I wanted that......now that some time has passed and the "hype" has died down a little bit...........I'm still really happy with my phone. Even when I upgrade next year, I know that maybe a month or two after I get my new phone, there will be something better on it's way or out already. Oh well.
I do believe that Verizon lets you upgrade about 4 months early. I got my phone in Nov of 2009, and am elgible for an upgrade in July of 2011.