If anyone is still on the 0.92 hboot unrevoked3 works all in one step. No need for unlock or upgrade. Is there a reason to upgrade to 1.02 by the way?
Unrevoked3 works based on your radio version at the time you use it, it has nothing to do with your hboot version. Usually if your not rooted you take ota's which have coresponding radio and hboot versions.
Unrevoked only supports the HTC Droid Incredible, running radio baseband versions:
1.00.03.04.06
2.05.00.06.11
2.07.00.07.16
2.15.00.07.28
2.15.00.09.01
The only reason to upgrade it is to allow unlocking your bootloader, which allows extended fastboot commands . Commands like flashing recoveries, misc images and boot images thru fastboot instead of thru an hboot flashable. This could come in handy in a jam, or if your a dev testing your work. I am rooted, s-off on the 1.07 hboot that is still locked, that way if i ever need the extended commands i can unlock and use them.