I'm in the same situation- just got a replacement through insurance and it came updated to 4.4.2. I might be really screwed! I travel a lot, and this phone is worthless to me with a stock VZW-only apn. It's appalling that they try to lock it down in the first place.
It looks like my only option might be trying the ghettoroot and hoping for the best, but that sounds really shaky. It's either that, or try to take the glass from the replacement and put it on my poor old shattered phone.