I always get a new phone as well. I take it to the repair store. Just took this first Mogul a few days ago. I wore the thumbwheel out, and the styli won't stay in. New one is on order. I was hoping they would trade it in store for a Touch, but no such luck. As long as I take it to the store, I get a new one. If I call it in to CS, I usually get a refurb. So now I always take it to the store. I have never paid the 50 bucks, either.
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Gosh durn it! 
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