Was gonna get my XR through AT&T Next, just to keep from having that separate charge. Also, since I had to return my Max, I'm not getting the option yet to do an upgrade on my IUP anyway. If I buy through AT&T, do I still have the option of Applecare. I swear when I was walking through the upgrade it offered it to me, but now I'm not seeing that option, and I HATE AT&T's insurance. What are my options?