phone robbery

SO unfortunately for me, I recently just broke my htc hero due to water damage.... Even though I have insurance on my phone I still had to purchase a new one so not to be dropped from the "insurance" company of my phone.  You're only allowed three phones a year, depending on the reason for the phone breaking.  They do not cover water damage...sooo I could either buy my same old phone for $350.... or buy the new upgraded phone, which was also $350.... I went from hero to evo. I LOVE my evo.  It's amazing. It is so much faster, it does so much more, I am less likely to drop it cuz it is HUGE, etc. HOWEVER because it is "so advanced" and is using the 4g network now.... I have to pay an extra 10 bucks a month so I can have a 4G network...HERE IS THE KICKER.... not everyone has 4G first of all... You are LUCKY if you are in a 4G network....so I am paying for  network that I barely get to use, but constantly searching for this "amazing" network KILLS my battery, I am lucky if it makes it to the end of the day. So I had to buy a car charger to help my phone battery.  This "amazing" phone is saving me money and costing me an arm and a leg all at the same time.  People are saying that Sprint is going out of business.... well at the rates they're upcharges are... I am definitely keeping them in business. My evo is a blessing and a curse.  Once again I say I hate/love technology. Stupid phone.