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Yu guys pay all that PLUS the $200 upfront charge for the iPhone? Does incoming calls/text come out of your min/text too?

Yes. Unlike in Europe, it's not illegal here to double-charge (charging the caller and the person being called). They will make it illegal soon enough, just like with landlines.
 
My wife and I don't have iPhones yet but this will be our plan:

AT&T
700 Minute Family Plan
Unlimited Family Text
2GB Data Plan
200MB Family Plan
20% Corporate Discount

$122.99 before taxes
 
450 Nation wide Rollover minutes =+$35.99
200 txt messages = +$5.00
Unlimited data = +$30.00
23% Company discount =-$16.33

Final price before taxes = $54.66
 
1-iPhone 4
1-iPhone 3GS
1-Razr

700 Nationwide shared minutes w/rollover
2 unlimited data plans
1 family unlimited text
The Razr is my old home land line - $10
FAN discount 25%
$159.22
 
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