all - one huge piece of advice. You can only ship the phone to the address on your phone's account. If you want it shipped somewhere else, first go to at&t and login (or whoever the carrier), change your home address, then go back to apple and order it. They pull the address from the carrier and if you don't want it shipped to that address, they'll say you have to pick up in store!!!
OR
Just click the order confirmation number in the email they send you, and change the address on apple.com afterwards. I did just that and it is all fine and dandy now