It gets very confusing, but the basic operating system at this point is 2.2.1 - Froyo based.
That means Froyo, the upgrade from the original X OS of 2.1, became 2.2 when Froyo was released in late September. In December, there was a minor update issued, which brought the OS to 2.2.1.
If you look at the info in Settings > about phone, you should see you have Android Version 2.2.1 with a System (upgrade) Version at 2.3.340. That's totally current.
Gingerbread, which many confused with the System (upgrade) Version 2.3.340 will be Android Version 2.3 ... whenever it is available. Lots of guessing at this point on release timing.
Each carrier (ie: Vz) adds tweaks to the basic OS to work with their own specs. Thus, delays in the new OS release for whatever Android device you have.
If you understand all those numbers, congrats!!! But, that's the way it is.