Yea, I tend to be cheap too and won't get it, but with my wife getting the iphone and how expensive it is, I'm a little more cautious. Then again, she's very careful with her stuff and doesn't throw it like I do mine....
On the flip side, sometimes phones/electronics-in-general really do have manufacturers defects that aren't your fault. But it would still suck to get a refurb as I've gotten them in the past and they were almost in worse shape than my broken phone.