Mogul Warranty

[mr.squonk]

Sorry guys, I have to ask again...

Sprint Mogul, 2 days shy of 1 year old. HTC states that the carrier (Sprint) handles this. I do not have any of the extra insurance, just the phone and my plan. I have spent the last 2 weeks emailing, calling, ect...I am getting these options from Sprint:
1. Contact and send the phone to HTC (will be out of a phone, if that it a possibility)
2. Setup the $4.00/month service, take the phone to Sprint service center, pay 50-100 to have the phone replaced with a refurb.
3. Use my current $75.00 credit for a replacement phone plus an additional $100.00 (new Mogul via Sprint = $549.00)
4. To f**k off, because they could care less.

Is Sprint being difficult, or should there be a way to get a replacement/repair without having to pay any money out of pocket?

Can anyone come up with any other options?

I appreciate any help that you can offer...just having a problem with some keys needing to be pressed extra hard, and the stylus keeps popping out...the Sprint rep called it "wear", I call it bad design/manufacturing.

Thanks guys.