I can pick up incoming calls by pushing the appropriate button on my bluetooth. While the lack of bluetooth voice dialing is a horrific oversight, you should indeed be able to receive calls on your Incredible without taking your eyes off the road....Or I ignore calls coming in.
Beyond that we'll just have to wait and see how long it takes HTC to integrate Froyo with Sense, and push out Froyo - or get another phone.
Side note: my DI went crashing to the ceramic floor from a height of about 4.5 feet this morning. My DI doesn't wear protection. No damage, no problems at all.