This happened to me last year.. and I know it happened to a lot of others as well and will continue to happen.
If you lost your iphone (like i did) and bought a new iPhone it didnt extend your contract for another 2 years.
If you lose the 16gb 3G and buy a new one you get it at the semi-unsubsidized price of 499 i think... but do you need to add an additional 2 years to your plan?
I don't like the idea of being tethered to at&t any longer than I have to be

If you lost your iphone (like i did) and bought a new iPhone it didnt extend your contract for another 2 years.
If you lose the 16gb 3G and buy a new one you get it at the semi-unsubsidized price of 499 i think... but do you need to add an additional 2 years to your plan?
I don't like the idea of being tethered to at&t any longer than I have to be