I've just switched over to AT&T's Mobile Share plan for my wife and I. We're on the 10GB plan and are both needing/wanting the new iPhone 6. I am prepared to pay the $650 per phone in order to keep the $25 discount on each phone. However, looking at the NEXT plan seems like a good deal, but I do have a few questions. 1. With the NEXT plan, you are eligible to upgrade your phone after 12 or 18 months, provided you trade your phone into AT&T. But what happens if you don't intend to upgrade within 2 years? Let's say I wait 3 years to upgrade ... if I want to use NEXT for that phone, would I need to give them the iPhone 6? After all, I would have finished the 24 monthly payments. 2. What happens with credit card extended warranties when using the NEXT plan? I use an Amex card to buy stuff that adds an additional year of warranty. So if I go with NEXT, I only have to pay sales tax, so would Amex cover me if my phone craps out at 18 months? I guess I have to weigh out if the $40 upgrade fee is worth it in comparision to the additional year of warranty from Amex.