Wondering also
I'm debating as well. I have read the complicated instructions. I get distracted easily with loads of kids and critters and just my luck I'll be at a crucial stage, someone will start talking to me and boom - I've ruined a $200+ phone. But the Blockbuster and VZW apps drive me nuts, especially if I plug my phone into my work computer to charge and Verizon pops up on the browser! I'm an intermediate computer geek - I set up the home network, and keep up with firewalls and antivirus and find fixes to the other problems that pop up from time to time.