lcd fail rate is higher than you would expect for what you pay, but companies normally make things right (samsung paid for mine). i have comacast, and commercials are always full screen, but some shows arent, and im not about to mess with aspect ratios every time i change a channel. also, to the best of my knowledge, if you have an avi or mkv file or whatever on a flash drive, you cant mess with the ratio. if it fails it fails, and you contact the company.
i dont think your tv will break because of a feature it comes with. that doesnt make any sense to me. its like cars that wont let you red line them. why would that even be an option?