What is frustrating about this is that I would gladly pay $10-$20 for Swype on my phone, and I have never bought another app. They must be making a lot from preloads, or the preload agreements stipulate that they cannot sell the app through other channels, because everyone I know with an Android phone would do the same. Seems like a lot of lost opportunity.
There are also a bunch of swype apk's floating around that you can just install. Check the xda forums for your phone model, there's bound to be people who found one that works for it