I'd get the Incredible, but just because of how the speed difference.
I also prefer the virtual keyboard of the Incredible to the DROID's hardware one (I've taken time to learn to love virtual keyboards, so that is probably just something strange about me.)
I also have learned to love the virtual keyboard. I have the Eris right now, and it is my first phone without a hardware keyboard and I was a bit apprehensive. I always like physical keyboards way more. But just as you have, I've taken the time to learn how to use both the virtual keyboard, as well as a swype-type keyboard(SlideIT for me). I don't ever want to go back.
I was given the option, today, to switch my Eris to either a Moto Droid or an Incredible. I was an easy choice for me to pick the Incredible. I like the sleeker, curvier look, which is why I got the Eris over the Droid, tho I'm regretting that choice in some ways. I like the design of the Incredibile! With the odd, angular battery case and the red accents. Put that with the current specs, Android 2.1, and HTC's Sense UI, and that is the dream phone for me. The Incredible is very close to being exactly what I was looking for. Glad I only have to wait 10 days, tho it will still seem like an eternity!
On a side note, this is my first post here at Android Central. I am a member at droidforums.net under the same name, and have been following Android Central for a long time. Just finally got around to signing up. Sorry for being so wordy, my typing has a tenancy to get away from me

Glad to finally be a part of Android Central!!!!