1. GPS (compareable to TomTom not crappy VZW Navigator)
2. Must work out of the box (No installing hax/3d party software)
By "comparable to TomTom," do you mean in terms of accuracy, or features? Accuracy isn't a problem, but features would be. Simply put, you're not going to get a Verizon compatible phone that comes pre-loaded with a navigation suite comparable to TomTom. To get that you'd simply have to buy a third-party application.
Otherwise, I'd say that the HTC XV6800 or the HTC Touch Pro would both be good options for you.