What a confusing article....
http://reviews.cnet.com/8301-6452_7...ans-do-buyers-no-favors-smartphones-unlocked/
Mind-numbing mobile plans do buyers no favors (Smartphones Unlocked)
Carriers' actions and reactions have made calculating the true cost of a smartphone more time-consuming than ever before.
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T-Mobile plans are very "simple." Buy the phone upfront or finance it with 24 monthly installments.
Buy the service you want.
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It's that simple. And there is significant savings if you have a Family Plan.
I'm surprised that T-mobile doesn't advertise its biggest advantage: its Family Plan for $100 a month for 4 lines.