To add Sprint TEP or not

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I used to be a firm believer in adding TEP.

But since they raised the deductable to $100.00 I'm less inclined to buy it.

First year is covered by warranty any way.

After a year the phone is worth half of what it was new.

Like if my Diamond died today. I could pick one up on Ebay for around $175.00 NEW no contract.

So I pay no deductable ($100) by just buying another on ebay and I saved 12 months of TEP ($84.00). And you typically get a refurb unit as opposed to a brand new one.

Sprint also seems not so generous about swapping phones for newer models as they used to be.

So why bother.

Since 2006 I have never used the TEP.

I've also learned to accept little glitches. I see so many folks saying I swapped 6 phones because of the D-Pad doesn't work well or 6 phones because they didn't know how to setup the GPS to work.

Sure I may run into bad luck but statistically your ahead especially if you upgrade every year warranty will cover most of it. Cracked screens I hear can be fixed rather cheaply.

What are peoples thoughts these days. Have you really thought the numbers through.