C.P.
Yes, $99 is the going rate for a screen replacement (at mall kiosk or Apple). It is "while you wait," but we usually just go to nearby stores for the 20-30 minutes it could take. I've only had my back glass replaced and I think the guy at the Apple store felt bad for me--he did it for free (it would've been $29)!! We do the Ghost Armor protection at the mall kiosk and they do a great job. It takes about 20 minutes and we've never had a problem. If you're concerned about the kiosks, just go to Apple (if you have one nearby) and have them do it. Will probably take longer... You can always ask the kiosk workers for a copy of their policy--and don't leave the booth while they're working on it (if you're THAT concerned).