I just got a Dinc last Friday and my first impressions are that is AWESOME!!! I got it free at Best Buy for Free Phone Friday. Not even tax, $0.00 out the door. So the price was right too. I was gonna hold out for a Merge but a free Dinc was too good to pass up. Actually I got a free fascinate 2 weeks ago for free phone friday and exchanged it a week later when they put the Dinc on sale.
Keep in mind that at Verizon (in California at least) for BOGO they want $299 for the first phone, plus $50 tax. Then $100 for the second (free) phone, plus $50 tax. Then you get $200 in rebates back. But the up-front investment is $500, which is pretty steep.
One other thing to keep in mind is that even if Verizon is offering you an early upgrade because you're an existing smartphone customer, that upgrade is not valid at "Authorized Retailers" like Best Buy, Amazon, and Costco. You have to be up for your legitimate New Every 2 discount to buy a phone from anywhere besides Verizon direct.
I have not confirmed this yet but I think you can but the phone from Amazon and add it to the Asurion insurance through Verizon customer service within 30 days. If I can't do that I know I can add best buy insurance within 30 days of purchase.
But in regards to the phone it is *incredible*. I manually updated to 2.2 with no issues. I like it 100 times better than the Fascinate. It is a better size, better build quality, and better software in Sense. I also just came from a blackberry and am adjusting to keyboard but well worth the sacrifice. Ive never loved a phone like this haha.