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Yes... I have insurance, but I was also up for an upgrade. I didn't want to spend $169 for the replacement phone when I could get a new phone for $199, but I was also trying to hold out to see if there was going to be a new iPhone announcement in September to see if it would drop the price of the current iPhone. I played with the idea of switching to a droid for many reasons, but ultimately decided that I am an iPhone person tried and true. I was also just concerned with shelling out a bunch of money for the iPhone when it's going to be cheaper in a month, but that's always the case with technology.
Also, the money issue was a huge factor (it was tight this month because I just moved) but, I found out that I could part of the cost of my phone on my bill, which is so awesome!! I am glad I could pay for part of the phone up front and put the rest on my bill for next month when I have more funds available, it took some of the pressure off of my decision, so I went with the iPhone 5. Thanks everyone for your help!