I've got to go now ('tis midnight here), but I think I might have an idea how that could help. But there is a catch - see the last paragraph.
I googled "utstarcom desire ruu" and came up with this thread:
http://androidforums.com/htc-desire/478958-htc-expands-bootloader-unlocking-desire-official.html. Post 9 is particularly interesting. What Rastaman is saying there is that the "Desire bootloader unlock" section of the htcdev website is a source for Desire RUUs. Not only do I see "UTStarcom" listed in that table, but I also see NTelos.
You don't actually want to go through the bootloader unlocking process! However, one of the "preparatory" stages is to update your phone's software to "the latest version". So follow the link at the top of the thread, register and log in, then click that you accept all of the disclaimers. You will then get to a page with a list of different network variants for which you can download a RUU. NTelos is on the list, so that implies that there's an RUU there which will run on your phone even without a goldcard.
Before you use this though, a caution: from the filename I think that RUU will update your bootloader to 1.09. The problem with that is that you say you do want to root in future, and that bootloader version isn't supported by any of the rooting tools. So while there's a good chance that this RUU would run, you may well not be able to root afterwards. So I'd be tempted to download it so that you have it, but to hold fire and see whether you can find something else first that won't close off the option of rooting.