Like I said, personal preferences to each, and if being able to read your voicemail and hotspot your phone is worth giving your chosen phone company an extra $90+ per month, then rock on bro. I personally hate giving away my money to companies when I can put it to work making more money, and more importantly, I hate going to work and want to retire ASAP.
The bottom of the barrel performance is pretty nice. Have never had bogged down speed...app data/safari loads as quickly it ever has. ST is perfectly fine for most except power users (My opinion-could never quantify). Of course we are people who paid outright for the iPhone SE since it offers performance bang for the buck, and don't feel the compulsive need to sport the latest iPhone. Once again to each their own...
I might consider another service if I happened to be a realtor, or something similar where I'm on the phone all day. Luckily I get to have a life and not glued to my phone all day.
That wasn't meant to sound as "ranty" as it probably reads. Just my humble opinion.