Uh oh, I found a fly in the ointment: I'll be out of the country in January so I need an unlocked phone instead of one attached to my Verizon account. Some googling indicates I can only buy one at a physical Apple Store?
Well at least I'll know on the 3rd if I'll have an X for my trip.
Edit: looks like I can actually buy a SIM-free iPhone through the online Apple Store. Just confirmed by trying with an iP8. Now whether I get one for my trip is in the hands of the FSM!
The unlocked phones go faster... if you're paying cash outright, then they're all technically "unlocked" and you should check the language on the Apple site for phones where you paid full cash as I think it refers to those as unlocked.