[roopull]

Buy the insurance, now. Wait a couple of months. You'll build up some equity in their minds re: the insurance, and you'll be closer to the end of your contract & therefore have more bargaining power.

Complain about the white spot on your Titan (I think just about all the screens have it.) Complain about it crashing & white screening. Of course, intentionally screwing up a ROM install will do this, not that you'd do anything that dishonest. *wink*

The downside is that they'll likely just give you a refurbished Titan or a new one. Why would they give you a more expensive phone to replace a theoretically inferior one they still carry? I think you'd have better luck after they quit carrying the Titan.