Not to beat a dead horse here, but a bit more info on my issue.
They sent my new handset to the wrong address, so I went into the store to get some satisfaction. This isn't the place to discuss their (rude) behavior, but after awhile the tech lady took my phone into the backroom - muttering something about codes? - and came back several minutes later with my phone now downloading Froyo.
Fast forward three hours after I got off the phone with tech support (who got me a new Fascinate sent overnight - I'll have it by noon tomorrow), and the download I had forgotten about finally completed. For s&g I installed. Lo and behold, little android man finished the install! Mind you I'm still returning the handset, due to the numerous other bugs and issues I've had with this one - and which were part of the conditions of the replacement.
I know that she reset my phone, because, well, I had to retrieve my contacts from backup assistant. However, she was back there much longer than a factory reset should have taken.
Moral of the story : If you make a big enough scene over the phone or in the store, there is a good chance you'll get Froyo somehow.
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