i paid 27 dollars for a year protection plan on this phone. i got my phone from radioshack for 149.99 on launch day, and they have since given me a free backup battery, and informed me that when my year is up i can give them back my phone for 149.99 towards purchase of a new phone.
So in the mind that im only going to be using this phone for 1 year, I overclock it to 844-806 interactive. ive ran it for extended periods at 864, which is my max. I bought my girlfriend the same phone, and if i set hers at 864 it borks her phone all up. It all depends on the exact phone you got, and how you plan on treating it.