To the OP: Put your droid X on ebay. I had a month old one with a few extras and sold it in 12 hours for $300. Paid for my iphone. Could get more probably.
The way I got my iphone was to add a line on the family plan for 10 a month. Then I switched the iphone to my droid line keeping the data plan intact. I then hooked up an old razr to the iphone line dropping the data plan. So I pay 10 a month for an iphone. Cost to have an iphone $240 plus the taxes for it that the droid didn't cover.
P.S. 32G version.
Just saying if you are desperate