And, to close the long circle on my upgrade, went to the promised Apple store (my usual, Virginia/Fair Oaks), and they had my phone with my name on it, a line of 40 people waiting to get in (as walk-ups, I assume). I went straight in, was processed immediately, and done in about 20 minutes. Pay-off credit for the old loan, new loan set up, no issues.
Longest PITA was entering all the demographic info on the iPhone 5s-whatever little keyboard they use for the terminals. 🙂 I really hope we can do all this 'remotely' next year...