I see a ton of chatter about Upgrade Programs - and I get that it makes it easier for most people and can make a lot of sense for some. However, is there really any benefit of me doing the upgrade program if I can simply buy the phone outright? I currently have the 6 Plus and would imagine that I'll keep the 7 Plus for two years as well. I always sell my used phones locally (Craigslist) and plan on continuing to do so. Therefore, a 128GB 7 Plus with AppleCare would run me $1000. Are there legitimately any reasons why I shouldn't do this? Maybe something I don't know about? I guess my only other concern is with AppleCare. Broken screens and whatnot is nice - nor do I mind paying an additional fee when I use it ($99 or $29 for screen replacement, I believe it is). But what about AT&T insurance vs. AppleCare? Do either cover lost/stolen? I'm generally always very mindful and careful with my devices - but I'm trying to be extra cautious. Thanks for the discussion everyone, seriously looking forward to this new phone!