I was reading that the savings might not be worth it after paying the monthly installments or even paying up front for the Tmobile iphone if I want to upgrade every year which I plan on. Can someone break down that theory. I mean I thought Tmobile would be cheaper than vzw and att. If I went with Tmobile I would get unlimited or the 60 dollar plan. Also I read vzw doesnt give subsidies anymore and after reading a post ATT still does but you pay 250 for an early upgrade. So with that because I want to upgrade every year which company would be more cost effective? With att I would get the 4gb plan. Is ATT worth the extra money coverage wise?