Found this thread and thought it was interesting and I would weigh in.
First off, sorry to the original poster who lost/had their phone stolen and glad they were able to get their phone in time as they needed it.
Secondly, is anyone here familiar with "Lookout Mobile Security" (formerly flexilis,
www.mylookout.com)? That's what I have on my phone and I love it. I don't think the virus scanning is necessary, but the data backup and lost/stolen device locator is super nice. It even allows you to make your phone "scream" from the web if you've misplaced it in the house. I know there are several like apps out there and people have their preferences, but if you don't have a like app on your phone, I highly recommend this one for the missing device locator alone (full disclosure: I'm nothing more than a satisfied customer and am not affiliated with the app or company at all
).
Lastly, along the lines of the insurance discussion, I got my phone through the pre-order at Best Buy so that I could have it the first day and I wouldn't have to deal with a mail-in rebate. I got the insurance that they offered, which was $100 deductible (my Droid is well worth it) and seemed to be a great deal (as much as any insurance can be a "great deal"). Just curious if anyone else went this route....