To have TEP or not have TEP

[rdcrds]

Well i had the touch pro and never even knew i did not have tep for about the whole life of the phone.I really thought i had it but somehow it got taken off.Well i had problems with it and each time i called in and when tech support got on the phone i would always tell them it was the phone and not me.

Well after 3 of them i had to take it to a local sprint store and when they seen it was bad and not me they replaced it.So my question is since i never lose my phone is it worth having TEP?

I heard now you pay 7$ a month and if you have to go threw insureion it is like 100$ if it is your fault.

Anyway is eveveyone here on TEP? or like me saving the 7$ a month and keeping the phone in good shape thoughts?