The insurance is worth it on expensive phones, a 50 dollar deductible is better than buying the dare full retail for $419 (i think).
I don't think you can Pollo LoC simply because there is a full qwerty keyboard inside.
I saw photos of the silver voyager and it wasn't anything special. The voyager is a dope deal right now, 149 in store with a 50 dollar mail in rebate. If you have a new every 2 ($100) it's free after rebate.