I have yet to receive an OTA update to Froyo on my Incredible. My husband's phone updated the first weekend it was out. I tried to do a manual update, but I was missing an update that was released in May to 2.1. It seems that my phone just isn't receiving the OTA updates.
This is what I am currently running:
Android 2.1-update1
Baseband version
1.00.03.04.06
Kernel Version
2.6.209-cc1c2268
htc-kernel@and18-2#1
Build number
1.22.605.0 CL161493 release-keys
Software Number
1.22.605.0
I have called tech support several times, and gone into my local Verizon store 3 times. The only answer I get is to wait., and maybe Gingerbread will install when it comes out. One suggestion was to do a factory reset to my phone and see if that worked. I haven't tried it yet, just because I hate the idea of install all of my apps again. 
Does anyone here have any suggestions?
Thanks in advance.
Kat