Dropped my iPhone 4, broke both sides of the glass. Im 4 months away from full upgrade, and ATT doesn't seem to want to do the iphone 5 for 199 for me. Is this standard? or is there some way I can get the upgrade done for 199? Apple any better to deal with? Also is gamestop good to deal with to get a quick iPhone 4 refurb without contract? Also if I actually just pay the 449 what kind of accidental drop protection etc do I get without buying apple care? Thanks!