upgrading to touch pro w/sero?

[d94]

been reading around and honestly havent found the answers i was looking for.

iv got the $50 sero w/27% discount
and my contract expires Expires 05/21/2009 (been custo 1.5yrs- willing to renew)
do i need insurance on my plan? (been thinkin about taking it off)
i just replaced my mogual a few weeks ago because it was being so buggy and now the new mogal i have still has bugs..so i was thinking about exchaning it again or should i just tell them iv been thinkin about switching and i want a hookup on the touch pro? and would they give it to me even though iv got sero? and if so..i wonder how good of a price i can get

but honestly, if they dont let me keep sero..its going to be a while before i get this phone