Any insight into the pros/cons of going unlocked/off-contract vs. subsidized on contract? 
(I looked for any similar Ip5 threads, but didn't find any.)
(I looked for any similar Ip5 threads, but didn't find any.)
I looked for any similar Ip5 threads, but didn't find any.
If you live in the US going for a 2 year agreement is the only sound choice if you're planning to use your smartphone to browse the web (US carriers don't offer prepaid data plans).
In other words it makes no sense to buy an off contract phone here if you plan on using data or need to talk a lot.
On the other hand if you don't care about either and just need to be reached a prepaid option will do (recommend using T-mobile prepaid. ATT charges you once you start dialing out the number, no need for the other party to answer)
People come here and ask this everyday, and start new threads.
There are some reasons, but from what I can tell, they are tied to
a) Intl usage
and/or
b) They do not want a two year contract because apparently they will be changing carriers inside of two years
I suggest you to stop blindly propagating this blanket advice.a)
for international usage, just get the Verizon phone. it supports more international LTE bands and it's sim-unlocked