Well, I'm in a similar situation, although I have the OG Dinc. I've had an upgrade sitting on my line since last april and haven't really found a phone I want to jump on. Then the MAXX came along, I started getting excited about all that battery life on 4G that far surpasses my Dinc on 3G. After playing with it in the store, I realized I liked it but it wasn't a leap ahead enough for me to leave my Dinc so I just decided that I'd try to find one off of craigslist, or a couple forums, once the asking price goes down a bit.
It's a great phone and if you got it you wouldn't be disappointed, but for me, I'd rather get it off-contract and sit on my upgrade a bit longer. I know someone is gonna chime in here and say "there is always something better around the corner" but that's not necessarily why I'm waiting, so that snarky response doesn't really work on me.