Glad you found that setting...w/out that it can be pretty frustrating.
Yeah...I played around with that. You don't even need to initially pay for VZNav...just download it and use it w/your BT puck, and it works for navigation.
Some of the features didn't appear to work properly, so maybe you need to activate it once for all features to work, but navigation worked fine.
I thought that the fact that VZW names streets would be a bigger deal, but the pronunciation was unclear enough in several cases that it wasn't that impressive...