If your phone is acting sluggish right now, that's not normal and an update may not help it. Your problem probably exist with an app or two you have downloaded that isn't playing nice.i cant wait for 2.1 either but if i never get it atleast i still have a great phone.
I like the Droid, too, but my phone is sluggish and unpredictable. I was hoping 2.1 might solve this, and if not I'll have to hack. But I really wanted to go the simple official OTA route. That's why I'm impatient about it. For me 2.1 isn't about bells and whistles, but making my phone behave the way I thought it would when I bought it.
Example: I'll start typing a phone number into the phone app. Nothing happens. Then 5 seconds later it catches up and spews out everything I had typed.
Same thing with the unlock pattern. Sometimes it doesn't respond, then all of a sudden tries to catch up all at once.
So for me 2.1 isn't an upgrade, it's (hopefully) a fix. Every day it's delayed is another day I'm irritated at my Droid.
I suggest if you have a task killer app or virus protection to reemove that. If that doesn't fix it do a hard factory data reset. See how the Droid performs with no apps in it. Working fine? Great, restore your apps a little each day until you find the problem app.