The 2nd phone line on the 202 is really helpful: Even if you don't need two lines in your home, it is quite useful for debugging the first VoIP phone line when you don't have a landline. Otherwise, I'd be stuck using my cell phone to test out every change.
You asked for an example of where I'd use the 202's router function: Time Warner has an offer going in my area now for 2Mbps/1Mbps internet for $14.95/mo. I suppose you'd have to provide your own modem for that price, but they claim it is not a "special (i.e., limited time) deal". I've thought about taking them up on this offer as a backup in case my normal provider has a service outage. If I did, I'd certainly give some consideration to the idea of dropping a 202 in router mode between the modem and the LAN. 2/1Mbps should handle VoIP fine and, like I said, it would otherwise be used only for backup and testing purposes. (It would be nice if the 202 router had a stealth function, where it did not respond to WAN pings and port 80 scans.)