Wirelessly posted (8800: Mozilla/4.0 (compatible; MSIE 6.0; Windows NT 5.0) BlackBerry8310/4.2.2 Profile/MIDP-2.0 Configuration/CLDC-1.1 VendorID/102)
Set aside $8-$10 a month for a new BlackBerry. After the year's warranty period, you have $96-$120 for a new BlackBerry if needed. Voila. Self insurance. And if you don't need it, you still have the $$, in your pocket.
I think with the insurance, you don't have to worry about being careful with it. I've dropped my 7100i quite a few times and it withstood breakage. Not sure how the 8130 will take hits. I've thought about removing the insurance but if I ever did run over it with my car I'd rather pay a small deductible verses $300+ for a replacement.