I went with option 2 as well. I didn't even bring in a phone..I just told them I had a regular phone (exact words...they didn't press for a model name) and they sent me home with a sim card. They had to do some manual billing gymnastics to get the system to accept a no-contract account (I guess it doesn't come up very often), but they got it figured out and sent me on my way. Currently using the sim in my N95 until my N900 arrives.