I should clarify: that's for my spouse and me. I ditched my unlimited data the other day in preparation for this, and got a Mobile Share plan of $130/month (with 10GB data -- we never use more the 8 combined). So the breakdown came to this:
AT&T 2-year contract on October 21 (when our contract expires); shipping time TBD:
$399 per phone = $798
$130 per month for 2 years = $3,120
TOTAL: $3,918
AT&T Next; ships in 3–4 weeks:
$849 per phone = $1,698
$130 per month for 2 years = $3,120
TOTAL: $4,818
That's a $900 difference, which I was willing to do until Apple's website wouldn't load. If I ordered now, I wouldn't get the phone until around the time my contract expires, so why not wait and save the money. That pushes the phone out further, of course.
I had never tried to pre-order the iPhone when it went live, and I will never attempt to do so again because it led to frustration and disappointment.