First and foremost, if you're on a family plan, make the person who most wants to upgrade regularly the primary line. They will be able upgrade once every year with a full subsidy as long as they always get the new iPhone at launch. When I first got an iPhone, my contract ended in January. I could have opted for the iPhone 3G. But I knew there was definately going to be a new one in 5 months, so I waited patiently making due with a dumb phone for 5 months. The best decision I could've made. I got to get a 3GS at launch with a full subsidy. I get to get the new iPhone 4 at launch with a full subsidy. And I will probably get to get the 2011 iPhone with it's 4.3 inch Super AMOLED screen, an even bigger battery, 512 mb of ram, a 4G antenna, dual core processor, 1080p video recording, Bluetooth 3.0, HDMI Out, Dual Speakers, IR, RFID, HD FM Radio and Pedometer like the iPod nano, 8 megapixel camera with dual xenon flash and a shutter and 64 gb hdd at launch as well. There's so many of my friends who wanted an iPhone, who I told to wait a few extra months, but impatiently decided to get the 3G, or the 3GS in Feb or so, and have been screwed over by new iPhone releases ever since. Basically, I'm saying, if you can't get the new iPhone at launch, don't get one. Wait for next years model and get that at launch. It will be even better, I promise. And odds are, it will available on Verizon too. So unlike those of us getting the iPhone 4 who will be stuck with AT&T for two more years, you guys will probably be able to get the best service provider for your area and still get the iPhone. If you absolutely must have the iPhone 4, don't wait till January or Feb (whenever you are out of contract) to get it. At that point you are far better off just waiting for the iPhone 5. So if you want it, get it now at launch, and sell your current iPhone on craigslist or ebay to make up the difference in price. As far as AT&T coverage is concerned. In my experience, if you live in New York or other very densely populated areas, the service is horrible (probably because there's such a high concentration of iPhone users using up data and tying up the cell towers like crazy). However, if you happen to live anywhere else, without a high population, odds are, as long as 3G encompasses those areas, your coverage will be just fine.