If you are tired of waiting for froyo you can go to android central and manually update froyo. i don't think i will because i'm 2 lazy and i rather have it OTA. Go ahead if you are one of those impatient ppl who are blaming companies just trying not to give us a bugged froyo.=]
Here's the thing. What you get leaked is not going to be too different from what you get OTA.
Now I think the OTA for the Incredible is going out now is that right? Then somebody has to have a copy on a server in the internet.
You have a better chance of getting a successful update from that copy then you do from an OTA. There are less chances of something going wrong.
99 out of 100 people OTA won't have a problem (I don't really know that but you get my drift). And it will be that 100th person who is a member of this Forum telling us how the OTA screwed up their Incredible.
If you have a chance to download it yourself, just do it.