I think you've misunderstood. If you bought your 3G last summer then you should be eligible for subsidized pricing from at&t RIGHT NOW. I bought my 3G last summer and I just got the 3GS for $199. Double check how much it will cost you to upgrade through the Apple store.
As for my 3G, I went with buymytronics.com. My $218 check is on its way. Nothing like a faster phone + some cash!
I don't know how you got the subsidized price, but for me it says I have to wait till 2010 to upgrade for $199. If I want to upgrade before that, I have to pay $500 for the 16 GB and $600 for the 32 GB. I've checked the Apple store and texted to check my upgrade eligibility, and that is what it says.
Yeah. Here is my upgrade message.
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Well you're lucky, I bought my 3G at launch, and I'm not eligible in a month.