Talked to a T-Mobile rep and here is what I got. EDIT: After talking to the agent some more, she confirmed what others have been saying. If I buy the phone full price from an Apple store online or retail, it will be unlocked from day 1. According to her, I will not be forced to purchase TMobile service, but if for whatever reason I am forced to, I can cancel it right away and get my money back. I am definitely buying the TMobile one now.