Blather, rinse, repeat

Omg, girl, there was so much to LOL over here. ;)

just how come all of his other clothes got shredded off except for anyplace there are naughty bits?

See end of X-Men 3, where Wolverine's clothes get blasted off in the presence of Jean Grey (kinky girl!) EXCEPT for his pants, and even then just the "important" parts. Convenient. :)

he did heroic things while retaining both snarky bastard wit and a sense of vulnerability that RDJ has with him in every role, and that's hot.

I love RDJ too. Snarky + sensitive = sexy. :) And there's something about his dark eyes, very expressive.

All I could think of was that insurance companies probably don't cover for stuff like that, that goes for the apartments too

Depends on their policy; Comprehensive Auto coverage would cover that if they carry it. And for Homeowners / Rental Dwelling Policies, even the most basic policies cover these Named Perils: Fire, lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism and malicious mischief, theft and volcanic eruption. So barring a real jerk of an insurance adjuster, YES, you're covered. You know, that would make a hilarious commercial....

and I started to think how funny it would be if at the end of it they leapt into each other's arms and embraced and cried together

I haven't seen the movie yet, but just the way you described it was hilarious.

maybe even cute in a green, veiny, huge, "this is why steroids need to stay illegal" kind of way.

THAT'S Why I thought he looked just like Jason Giambi. :) "GIAMBI SMASH BALL!"

So are there any girl avengers, or is this just going to be a a formula of "powerful male superhero / intelligent, loyal and sympathetic female in need of eventual rescue" kinda thing?

Gwyneth and Liv should start a "girlfriend of mutant /superhero" support group. "Sisterhood of Mutant Manflesh" or something like that. Post-avengers movie, it would probably make a decent new show on ABC. Come to think of it...forget i mentioned it. *Runs off to write pilot*