Is there some reason you can't pay for an out of warranty repair? I don't think products breaking outside the warranty period is Android specific - if you dunk an iPhone a year after purchase you'll be spending dollars on a repair.
Wasn't offered at Verizon, but it could have been an unhelpful salesperson. If not them I can probably find a 3rd party repair. Don't know why I wasn't considering this, thanks for pointing it out.
I wasn't trying to trash android, just annoyed at the whole lock-in/upgrade scheme.
They usually want you to pay for insurance so they make these things difficult without such plans. The insurance has been worth it in my experience -- it adds $7-$10/mo, but covers a lot of damage that the warranty excludes, and you don't have these hassles or worries after warranty expires. I agree that it's a greedy, crappy scheme, but that's how the carriers want you to get your phone "repaired".