I have a 8330, and i have a crack on the screen. However, you can't feel a crack on the surface, and the visual aspect of the screen is not distorted in any way (i lucked out somehow). But i still want to get rid of the crack. So how do i know whether to replace the whole "housing" or just the lcd? I dont want to pay the $90 insurance fee for a refurbished phone, when mine is only a few months old....