Your access fee will be $25 if you buy a phone on Next and have a 5GB plan, not $40. Also, if you finance the phone with Next, there is no down payment, whereas upgrading a phone on contract costs several hundred dollars upfront (depending on the model). You also get the hotspot feature, are free to leave whenever you want without penalty, and can keep your existing phone as long as you want without continuing to pay for the baked-in subsidy. It may also be worthwhile to look at the total cost of the plan for your entire family.