b) Some of us would be willing to pay an insurance premium against patent trolls
Proposal: Form an organization (or convince an existing one like the EFF) funded (donations, I'd presume) by all of us to:
a) Lobby for changes to to the patent process and law.
b) Aggressively challenge obvious software patents as being obvious, or using prior art.
c) Serve as a communal defense fund/legal help for small businesses against patent trolls.
d) Maintain a community database of bad patents and potential prior art (to be used in defensive or offensive legal actions)