I also did chat with a AT&T Rep yesterday morning and I asked them what what they thought of the AT&T Next program, and they were like the AT&T Next program will coast you more money in the long run.
This what they told me:
"
Me: Ok, Just one more thing do you the AT&T Next worth doing?
AT&T : I can see here you still have the individual talk plan. I recommend it is cheaper if you will do the standard upgrade instead of AT&T Next. Since if you do the AT&T Next, you will have to pay the full retail price of the phone in equal installments for 20, 24, or 30 months.
Me : That is what I have thought
Me : I normally get my phone though Apple, but I know they took the 2 years contract option off, So looks like I'm going to my phone upgrades though AT&T
Me : Thanks
AT&T : Yes, bige12. In the long run, the AT&T Next will cost you more. If your phone is still perfectly working fine then I suggest we can wait for the standard upgrade.
This post should be made a sticky. It is almost always gospel for an individual user consuming less than 10GB or on a legacy UDP.