I have Verizon, my wife T-Mobile. T-Mobile works fine in New York City, and so does Verizon. Especially in the past year Verizon has spent literally a fortune improving their reception, so that dead spots are much fewer than they used to be. I believe this is why they ignore "cool" phones, they are going for reliability with companies who buy in bulk for their employees, not really for consumers - go to a Verizon store if you want to be convinced they don't really care about the common man -
but what I am trying to say is, that I disagree about reception of Verizon: it's very good, and especially so outside of the major business cities like NYC and Washington. My wife's T-Mobile often is out of range when we travel, and we have to use my Verizon phone.
That said, Verizon rarely, with the exception of the recent Treo 700p, gets the really cool phones, so will probably bypass Apple as well.