Well my wife and your wife can hang out and ***** about us while I help ya out with your phone
I feel your pain on the endless reading with multiple opinions. So I'll help ya a little since I'm on Verizon also.
First (my opinion) DO NOT use the 2.47 spl to unlock your device. We have found Verizon Phones can be flashed back to OEM if needed with no adverse effects.
So here we go....
First ... Do you have a 2gb mircosd or smaller?