Yes I am. And so are lots of other Finns (this is based on the views of the members of the most popular Finnish Mac forum, hopeinenomena.net).
TeliaSonera in Finland is so far the only operator who carries iPhone 4 and their prices are 600 ($783) for the 16GB model and 720 ($940) for the 32GB model.
TeliaSonera is also the most expensive operator here in Finland. Their call rates, data rates etc. are out of this world.
As you can see... our subsidized prices are nearly the same as unlocked sim-free prices directly from Apple Online Store. So you must understand it would be kind of nice for Apple to offer that option on their Finnish Online Store...
It does not compute....