Also in SF Bay Area, lots of AT&T stores had them in stock, but I waited until early evening, and by then, only a store in San Jose by me had any left. Drove over, it was the most ghetto AT&T store I've ever been to, lol. Complete chaos there, waited forever for someone to finally sign me in. Told them I wanted the 920 off-contract and girl said she had to ask the manager... She came back and said they could NOT sell me one off-contract yet. Asked her "Well when then?". She told me in 6 months because it was a new phone. :/
Remembered the MS Store at Valley Fair mall and gave them a call, asked if they had the 920 and what the off-contract price was... "Yes, and $499". Hmm, $50 more than AT&T, but whatever, would rather buy direct from the source than stupid AT&T. So I drove over there, got one no problem, out in 10 minutes.
Would recommend MS Store to anyone in SF Bay that's having problems with AT&T stores.
BTW, they didn't have the charger at the MS store, but told me I could get one online from Nokia... there's an article here on WP on how to go about it.