I'm in the same boat. I currently have the Moto Droid 1 and have an upgrade in 2 weeks. I'm looking at the fascinate, but not sure what's around the corner. I will probably wait till the end of October and see what looks like will be released around Black Friday.
I'd say to wait for the Inc HD. Sure you could follow the fact that it's still just a rumor or whatever but wait until this holiday season. So long as you can deal with the phone you have now, you should wait to see what the carriers plan to bring out for the q4/christmas sales.