Never had phone insurance and often pay full whack for an unlocked unit - and cross my fingers
Touch wood all fine.
I am currently on the bold - IIRC the curve has no wifi , and storm has no 3G - it could be the other way around - just double check those. Bold is a solid phone but camera is crap.
I love the push email on it, next handset probably a N97 once they sort the firmware out