Ok just got back from Apple store and they are going to swap it out, although they don't have any 32gb in stock so they will order me a new one. They were very nice and at first said that they were really "doing me a pretty big favor here" because it was obviously user error, but "because they are so new...." etc.
I started to get a little frustrated and just tried to calmly explain that I didn't do anything and then also pointed out an area where it looked like the glass popped off the back, AND you couldn't feel anything rubbing your finger across it, AND it's now brown/yellow where the crack is, like it's burnt or something.
Then she took the phone back to another genius who said "single hairline cracks are always covered under warranty as long as there are no spiderweb type cracks where it was obviously hit with something" this made me feel better. However they still can't tell me why this happened or how to keep it from happening other than to baby it even more than I have been. A little concerned about having a phone that's so fragile. I've always kind of babied my electronics and trust me I'm a web dork, there is no running, jumping, exercise of any sort going on unfortunately. So if I can crack one of these things, get ready, there will be a flood of these pretty soon.