Even the back glass? Hmm. I've heard of Apple reps letting people get away with getting the insurance after the fact (before the iPhone 4) and then doing a replacement via that policy.
It's still better, but Nokia doesn't have a real market presence in NA so I'm not too surprised with our limited choices. If Nokia wants to get into the NA market they do have to do better with customer service options, but without a physical retail presence it will be more difficult
I'm still not seeing how $100 bucks and third-party is unreasonable, unless you think the third-party company sucks. It would be nice to be able to buy the parts, but I can see how managing that distribution would be a nightmare. Plus without some pseudo-clean room I don't think I would want to replace the lens cover/camera assembly on my own. Getting any particulates in that area would piss me off to no end.
Ooh, a wrist strap would be handy for picture taking on the run. I forgot about the lanyard hole.