I've read so much about this that my brain is starting to become mush. What is comes down is the phone costs "x" number of dollars. You either pay that up front, over the course of 2 years with a contract or over the amount of time that you pick with the NEXT program.
Many of us are used to the 2 year contract thing. We "think" the base phone costs $199.00 and we have to wait 2 years until we can get another one at that price. Some people don't want another phone after the end of 2 year so they just keep paying their monthly bill and they get one when they want/need to. Now that we're analyzing how all of this works, we can see that your actually paying more than full retail for the phone if you decide to keep it for 3 years.
So what happens with the NEXT program? After you get to the point when the phone is paid off, are you no longer charged that amount on your monthly bill? For me, the answer to that will tell me which way I'm going to go with this. I've been kind of against the NEXT program but after reading some good posts that really spell out how all of this works now, it doesn't seem to be to bad. Especially if the phone payments are taken off of the bill after the phone is paid off. Then I just have my normal monthly bill for usage which should be less than it would be if I signed a 2 year contract. btw - I have an unlimited plan that I will probably hold onto and a 23% FAN discount.