Cracked Screen; Which Path?

[berniebennybernard]

Unfortunately today at work, a customer was trying to get by me and I lost my footing. My Diamond was in my pocket at the time and it banged onto the side of a ledge causing a crack in the screen.

Luckily for me, it still works, no dead pixels, touch is just as responsive, but there is just a crack on the screen.

Now there are 2 ways to solve this problem, both of which I am unsure as to if I should take:

1) Since my phone is only 2 weeks, I can still opt for the insurance plan of an added $7 per month. I do not know if it can be canceled, but as long as it is within 30 days, I can choose add it on. I could add it on, wait a few days and then go in to Bell and have it replaced entirely. But then, is that extra $7 per month worth it to a plan that is already quite expensive on my student budget? But since I'm running a custom SPL/cooked ROM, does it void my warranty regardless? I read that I could change back, so really there is no problem, correct?

2) I could just get replacement parts online and fix it myself.

What do you guys think?

Thanks,
Bernie