It's not just Sturmovik folks - I had to send a copy of Dirt 2 back to Play yesterday with exactly the same problem as this. I hope they honour the returns policy as the game is less than a month old.
My experience, the same kind of crack was suddenly there meaning the game wouldn't even load. Like the original poster, I was always careful, not a smear left on it, let alone a scratch of any kind on the surface.
I'd say it looks like dodgy materials are being used, or a bad batch of discs were supplied to the different companies.
I hope this kind of problem gets nipped in the bud before it becomes a more common problem...
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