I personally think the problem is being overblown, even if some people might be forced to use a case.
To be honest I hardly ever had dropped calls with my 3GS even when holding it in my left hand. The two 4s I've had, one replaced a week after I got the first one, both suffer from the issue. Based on the evidence across the net, while it may or may not be overblown, it certainly is widespread. Again, I'm not calling anyone who says their phone is fine a liar. It really is quite possible that there is a manufacturing variance at play here; kind of how some MBP screens were warmer than others. Maybe Apple is getting its antennas from different suppliers, and perhaps the steel used in the affected ones isn't as pure as the steel used in the ones that are fine.
I would be fine using a bumper, if it were provided for free. Paying extra to fix Apple's mistake is ridiculous. If the software fix doesn't, mine is going back a day before my return deadline unless Apple comps me a bumper. I still have a perfectly acceptable mint 3GS sitting at home.