As for hardware problems, I had the microphone go out on my first phone in October. I had the
rainbow banding in the screen in January. And now I'm on my third Touch Pro 2 with the rainbow banding again. Going to Verizon this Saturday and they will be shipping me yet another refurb (4) promptly after. Go with insurance for sure and you should be fine. As for keyboard, it has been great. No keyboard problems, just the mic and 2 bad screens. Good Luck!