Okay so I was talking with a rep from Fido (I'm in Canada) and if I keep my existing plan I'd be paying $1499 +tax for the 256GB iPhone XS. That's the up front cost. It's not spread out over the two year plan period. If I were to "upgrade" to a new plan I'd be paying $25-30 more per month for the same features I have now. My monthly bill would go from $80/month to at least $105 plus the $1499 cost of the phone. If any Canadians on here know of better deals out there let me know. I still can wait for the XR but I'd be in the same scenario. We get really hosed up here in Canada for cellular plans. Also the iPhone's "visual voicemail" is an add-on feature. It's not automatic if voicemail is listed on the plan features. At least it's not with Fido. They're still doing the ancient style of voicemail where you have to dial a number to get your messages. Then go through the whole "press 1 for new messages'', "press 2 to delete messages", etc. That's so 90's. How is that still a feature??? In any event is it better to buy outright (which I really can't afford) or do a monthly plan?