Decisions, Switch to iOS?

See if you can get a used one. Btw Marshmallow was only released in October. The European G4 already has it. Only a matter of time before the other regions get it.

 

If you're happy with Android, but not your phone, why not look at the latest Nexus phones? They look pretty sweet, even if they eliminate the benefits of removable battery and upgradeable storage...

If you're going to switch, the idea of getting a 6 instead of the latest 6s isn't a bad one. Functionally, they're much the same. And if you decided to upgrade to the 6s in a month or two, you likely wouldn't lose much depreciation on a 6.

C

 

Out of the options you listed, I would go would B). So you locked in for one year...as you said you can't jump ship anyway.

 

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I agree with C. it sounds like you have issues with the hardware and bloatware, so I would recommended that you at least consider pure android on the Nexus 6 or even the newest phone from OnePlus which would also come without the bloatware. This is coming from a pretty dedicated iPhone guy.

If you've already made up your mind, definitely option B. You can own the phone outright at anytime by just paying off so you can always "opt into" option C.

Apple's payment plan is a little pricey to me, even with the inclusion of AppleCare.

 

I'd recommend waiting for the 7, if I were you. However, if you cannot wait definitely go for the 64GB 6S. The Next/JUMP! plans from AT&T and T-Mobile are actually pretty great.

As far as iOS vs Android...could you tell us in specifics what you actually enjoy from Android? That way we can compare and give you a better answer.

 

Hard pulls are a relatively small factor. If one pull drastically impacts your score then you have bigger issues with your credit profile that you need to address than hard pulls.

Thankfully the carriers are moving away from subsidies so people are aware what devices actually cost.

...and you won't find out unless you try. Set up a trial period and if you want to stay then sell your current device. If not, then return the IOS device. Worth is always highly subjective regardless of topic. You can't poll others to determine what's worth it to you. For me there's no question that an iPhone is the way to go but YMMV. No one solution is a best fit for everyone.

 

You can still order an iphone for $200 with a 2 year contract. You have to do it online through at&t's website. Hopefully you still have unlimited data and a family plan because that's the best value you can get.

 

You are not locked in for a year, you can at any time pay ahead to the 12 month position with Next and that will make you eligible to upgrade. I believe it's the same with Apple plan, but confirm with Apple Store.

 

FYI to the OP. Android 6.0 was just released mid October. And the nexus 2015 phone didn't ship to end of October. So it hasn't been "months".

And Lg G4 already is on android 6.0 in almost every part of the world except USA. I suspect USA carriers will get it updated within the next 4-6 weeks.