I've not had a good exprerience with any of the virtual keyboards. I tried the IPhone, Thunderbolt, and even my 4.3" GPS and they all suck. They just randomly mistype the letters.
On the other hand, I've seen many of the slide out keyboards after 1 year of use and they are sloppy and worn out.
Maybe the the way to go is to buy the D3 and if not happy, trade it back in on the Bionic before the 30 day return is up.
It's a 14 day return policy now, not 30 day. Best Buy/Costco still have 30 days I believe, but if you trade phones in you do not get the subsidized price after 14 days as far as I am aware.
Also, the virtual keyboard doesn't type incorrectly if you type correctly, though it certainly can vary between phones. The iPhone and TB both have great keyboards as far as I have heard. My little 3'' touchscreen works perfect, never has a mistype and it is clearly beaten up badly, especially as a capacitive screen. It's more of how accustomed you are to the keyboard. I've had it so long it's really easy, but using other phone's virtual keyboards it takes me forever to type. It's definitely about how much time you use it. I can type faster than anyone i know on my touchscreen just because I'm used to it, but I'll be sluggish once I trade up again for a couple months.