Looking to potentially buy the new 6s plus outright. First question....when buying from Apple site do I choose the option to "replace my iPhone" and buying it full price but it's an AT&T phone? Does that mean it isn't unlocked? 2nd question is: I have the old style plan, the talk/text ($60) and the unlimited data ($30). If I go the buy outright method and no longer under contract....how can I get my bill down? I've heard there is money added to the plan when you have a subsidized phone pricing.