Yep, doesn't bother me. I mean... doing iUP in the first place .... is more expensive than just buying the phone outright but we do it because of convenience and because it's so frigging easy to click: "Upgrade" on that nice email that comes in saying you can upgrade. That convenience factor saves me months in iUP payments with time saved alone.
I've recently had the privilege of seeing relatives upgrade their iPhones with a carrier in store. They spent over 4 hours in store trying to get a phone that they were told was in stock (it wasn't). Come first month, the billing was messed up resulting in countless hours after the in-store hours to try to fix it.
We'll be doing the same. I don't think the average iUP'er even thinks about stuff like this. I sure don't because, as an actual iUP'er... the convenience vastly outweighs the difference - that's why we do it.