Oxymoron was intended. The point is that though we are basing this off of rumours, it's highly likely that there is a 3G iPhone coming out (soon). 😎
Why get someone else to open your brand new iPhone and unlock it? At the moment, ZiPhone and pwnage (I think) are the two main 1 click unlocking programs - I've never heard of them bricking a phone (not that I've looked). That said, the new software may be more secure and less prone to unlocking. There are other ways around this, eg. a sim adaptor that makes any phone think an AT&T sim is inserted.
The point is, at this stage, you are getting a raw deal if you buy now. Even if the 3G iPhone comes out and it's not to your needs, there will be clearances of old ones and plenty to choose from on ebay, so there's only an advantage of waiting as you get the choice. 🙂