We have been with AT&T for over 16 years. Now we have contracts running out in September and want to make the iPhone6 switch. But, we got in early on the shared data plans. So, we are paying $100 a month for 10G of data plus $15 each for 8 lines (1/2 are dumb phones, but same cost per month). It appears that if we go back on contract, with the standard contract, our monthly cost goes up $200, because the plan switches, more than canceling any savings. Does that seem right? If we buy our own phones outright and bring them to AT&T, I *think* we can keep the current plan. If we switch and use NEXT, there is no upfront cost and our lines stay $15 a month (?) but we would have the monthly cost of paying the phone in installments. So, it would be about equal to option 2. Am I missing anything here?