I seemed to haf overlooked the part in your first post in which you say you want to test S60 BEFORE buying a new phone. I thought you are developing some symbian app and hence need to test it in an emulator.
If thats the only reason then go out and grab your friend's cellphone or goto any Nokia Priority dealer and check it out. I feel its a waste of time, energy (apart from looking foolish) to go thru the pains of installing Symbian s60 only for the reason of testing it out before buying! Not everything in this world can be "tested" before buying. Start trusting the reviewers on the net. They are not fools